| Vehicle and Equipment Financing | Hire purchase loans and leasing for used commercial vehicles and construction equipment, along with mortgage financing. | Longstanding market presence with focused domain expertise, strong compliance, and a trusted brand in commercial vehicle finance. | Retail customers including commercial vehicle owners, small businesses in infrastructure and logistics sectors (B2C focus). | Vehicle loan portfolios and secured non-convertible debentures provide stable high-margin revenue. | 215 | 100 | Interest income from financed assets and lease rentals constitute primary revenue streams. | Interest-based financing with repayment schedules aligned to hire purchase contracts; fee-based income from deposit mobilization. | Rising commercial vehicle demand and infrastructure development boost financing needs; supportive regulatory environment. | |
