| Generation Loans | Long-term loans for setting up generation capacity, renovation, modernization, and pollution control. | Strong government backing, deep sector knowledge, established borrower base, and sovereign-equivalent credit ratings. | State and central sector power generation companies, private independent power producers (IPPs); predominantly B2B. | Long-term loans for large-scale generation projects. | 2514 | 33 | Interest income from project loans disbursed to power producers. | Interest rates linked to project ratings and market conditions; structured credit assessments. | Increasing energy demands, government push for capacity addition, modernization of aging power plants, and pollution control mandates. | Project-based long-term financing for conventional power generation including thermal and hydro projects. |
| Transmission & Distribution (T&D) Loans | Funding for system augmentation, smart metering projects, loss reduction initiatives, and rural electrification schemes. | Exclusive role as nodal agency for Government schemes, extensive client relationships, and expertise in power sector financing. | State transmission utilities, distribution companies (DISCOMs), private transmission service providers; B2B. | Loss reduction and smart metering projects. | 3439 | 45 | Interest income from loans to state utilities and private transmission companies. | Project-specific loan terms with credit-based pricing; includes revolving loan facilities and special government schemes. | RDSS scheme, smart grid adoption, renewable integration, and modernization of DISCOMs. | Loans financing transmission lines, substations, distribution network strengthening and system improvement projects. |
| Others | Loans to renewable energy developers, infrastructure projects (roads, ports), and short-term finance to power sector entities. | Government mandate to expand into non-power infrastructure sectors and strategic diversification. | Renewable energy companies, infrastructure firms, power sector utilities; combination of B2B clients. | Renewable energy and infrastructure sector loans. | 795 | 12 | Interest and fee income from diverse loans across green energy and infrastructure sectors. | Varied credit pricing based on risk profile; project and corporate funding structures. | India’s commitment to renewable capacity addition, infrastructure development policies. | Loans for renewable energy projects, short/medium term working capital loans, infrastructure and logistics projects. |
