| MSME Secured Lending | Secured small business loans from ₹3 lakh to ₹30 lakh tailored for micro and small enterprises for working capital, asset purchase, and renovations. | Tech-enabled credit assessment, fast digital loan processing, focused geographic presence, secured lending model with conservative LTV and rigorous risk management. | B2C focus on micro and small entrepreneurs in manufacturing, trade, and services, mostly in Tier II-IV cities and rural areas. | Smaller ticket loans with high customer retention and lower credit risk due to secured lending, women borrowers' segment. | 15 | 100 | Interest income from loan disbursements; fees and charges associated with loan processing and servicing. | Fixed interest rates between 19% to 23%, flexible repayment schedules, with tenure up to 10 years, credit risk pricing based on assessment. | Rising MSME credit demand, technology-driven underwriting, branch expansion, co-lending partnerships, and underpenetrated credit markets. | Purple Finance MSME Loans |
