| Financing Activity | Direct lending to retail customers and originator partners across multiple asset classes. | First-mover in securitized microfinance, strong originator partnerships, advanced tech platforms, and diversified borrowing base. | B2B and B2C including microfinance institutions, MSMEs, and retail borrowers. | Secured MSME loans and digital lending services. | 2280 | 97 | Interest income, loan origination fees, and partial credit guarantees. | Loan interest with secured and unsecured structures, variable tenures. | Digital lending platforms, geographic expansion, new products and strong underwriting. | Microfinance loans, MSME loans, Consumer loans, Rural finance, Vehicle and Affordable Housing finance |
| Investment Advisory Services | Advisory and consultancy services related to credit portfolio and investments. | | Institutional clients and originators. | | 0 | 0 | Fee-based advisory services. | Services fees and retainers. | | |
| Investment Management Services | Management of multiple Alternative Investment Funds (AIFs) and Portfolio Management Services (PMS). | Established fund management track record with zero capital losses to investors. | High net worth individuals, family offices, institutional investors. | Fee income from diversified credit funds. | 50 | 3 | Management fees and performance fees from funds under management. | Asset under management fees and performance-linked charges. | Rising credit demand by emerging corporates and fund investor confidence. | Northern Arc Investment Managers funds |
