| Retail Finance | Gold loans, vehicle loans, business loans, leasing and hire purchase financing. | Strong local presence, longstanding customer relationships, and regulatory compliance provide competitive edge. | Retail customers and small enterprises within Gujarat via B2C model. | Gold loans and leasing services typically yield higher margins due to secured lending. | 7 | 100 | Interest income from loans and leasing services constitutes main revenue source. | Primarily interest-based with fixed or floating rates depending on loan product. | Rising demand for non-bank retail credit and adoption of digital processes for customer acquisition. | |
