| NBFC Lending | Small ticket unsecured loans to MSMEs with digital onboarding and underwriting. | Strong fintech integration, partner ecosystems, proprietary underwriting algorithms. | MSMEs across key Indian states via B2B2C platforms and financial partners. | Digital lending through platform partnerships and equated daily installments (EDI) loans. | 78 | 30 | Interest income from loans and fees. | Interest rates on loans, service fees; partner risk participation. | Increasing MSME credit demand, embedded finance adoption, scalable tech platform. | Unsecured Business Loans (UBL) |
| Fintech Platforms - iServeU | Banking-as-a-Service including agency banking, card issuance, merchant acquiring, UPI, and switching solutions. | Full stack fintech solutions, strong client base, scalable technology stack. | Banks, NBFCs, fintechs - B2B. | SaaS and payment platform services with scale benefits. | 215 | 70 | Platform fees, transaction-based charges, SaaS subscriptions. | Contract-based revenue, recurring fees, and transaction volume sharing. | Digital payments expansion, government initiatives, increasing partner contracts. | iServeU (payments infrastructure) |
