| Financial Services - Lending | Hire purchase, microfinance, personal loans, business loans, mortgage loans. | Longstanding RBI regulation compliance, disciplined credit management, and niche market focus. | Retail individuals, small businesses, and microfinance clients (B2C and B2B). | Personal and business loans due to higher interest spreads. | 1 | 100 | Interest income and fees from lending activities. | Fixed and floating interest rates on loans; no deposit mobilization. | Rising demand for alternate credit, prudent risk policies, and expanding microfinance penetration. | |
