| Finance and mortgages | Asset finance, SME loans, personal loans, housing finance | Strong brand, diversified loan portfolio, digital platforms, AI-enabled credit assessment, and strong capital backing | Retail individuals, small businesses, MSMEs, farmers | Personal loans and gold loans with higher ticket sizes and yields | 4223 | 98 | Interest income, processing fees, loan servicing charges | Interest-based with tenure and credit risk pricing, mix of secured and unsecured loans | Digital expansion, product diversification, and increasing credit penetration in semi-urban and rural areas | PL Prime Personal Loan, Commercial Vehicle Loans, Gold Loan, Education Loan |
| General insurance | General insurance products via JV | Limited current presence due to JV exit | General public and retail clients | Not applicable post JV exit | 8 | 0 | Insurance underwriting profits and fees | Premium-based underwriting income | Exited JV in 2022-23, minimal current contribution | Magma HDI General Insurance (till 2022-23 JV) |
