| Finance Division | Business loans, microcredit, hire-purchase, leasing, personal loans, loans against property | Extensive distribution network, AI underwriting technology, strategic bank partnerships, strong credit rating | B2C and B2B segments serving MSMEs, small entrepreneurs, individuals | Small income generation loans and secured SME loans with low credit losses | 807 | 91 | Interest income from loan products; fees from loan origination and servicing | Interest-based lending with customized repayment schedules, no deposits accepted | Expansion in MSME sector, AI underwriting, branch and digital reach growth | SME & MSME loans, Small Income Generation Loans, Vehicle Financing products |
| Non Conventional Division | Operation of wind energy generation units in Karnataka and Rajasthan | Established wind power assets, tie-ups with power purchasers, low operational risk | Energy buyers including State Electricity Boards (B2B) | Wind energy generation units with long-term contracts | 76 | 9 | Sale of power generated from renewable energy assets | Power purchase agreements and fixed tariffs | Renewable energy demand and government support for green power | Alternate Energy Division – Wind Energy Projects |
