| MSME Lending | Secured loans tailored to micro, small and medium enterprises to support business expansion. | RBI registration, growing branch network, preferential capital infusion, and digital lending capabilities. | MSMEs across India (B2B focus). | Secured loan products with better risk mitigation. | | | Interest income from MSME loan portfolio. | Interest-based lending with risk-adjusted rates. | Increased MSME credit demand and government support for small businesses. | |
| Retail Loans | Personal loans and consumer durable loans targeting individual customers. | Customer-centric approach and approval efficiency through evolving digital infrastructure. | Individual retail borrowers (B2C). | Personal loans with higher interest margins. | | | Interest income from retail lending products. | Interest-based lending tailored to consumer credit risk profiles. | Rising consumer credit needs and improved loan processing platforms. | |
