| Vehicle and Asset Finance | Small-ticket secured loans for purchasing new and used vehicles and consumer durable financing. | Strong rural branch network, in-house credit and monitoring tech, deep local knowledge, and secured lending minimize defaults. | B2C retail customers mainly in rural and semi-urban areas, including farmers, self-employed, and salaried individuals. | New and used two-wheeler loan products and micro loans with high yields and secured collateral. | 3648 | 100 | Interest income from loans, disbursed through owned branch network ensuring direct customer engagement. | Interest-based financing with flexible repayment schedules; ticket sizes range from ₹25,000 to ₹2,00,000 depending on product. | Expanding rural vehicle ownership, increasing loan penetration, GST reductions improving affordability, and branch expansion. | New Two-Wheeler Loans, Used Two-Wheeler Loans, Used Three-Wheeler Loans, Used Four-Wheeler Loans, Personal Loans, Home Loans |
