| Gold Loan Financing | Secured gold loans with flexible repayment options and competitive interest rates. | Secured lending against gold, strong regional branch presence, and brand recognition in South India. | Retail customers seeking quick credit by pledging gold jewellery. | Gold loans with stringent LTV ratios maintain high asset quality and margins. | 1360 | 70 | Interest income on gold loans and related finance charges. | Lower Loan to Value ratios (65-75%), interest payments monthly or quarterly. | Increasing gold loan demand, customer-friendly products, branch network growth. | SEIL Gold Loan Schemes (Monthly Interest Payment, 30 Days Interest Payment) |
| Investment in Securities & Other Lending | Investments in shares, debentures, securities issued by Government of India and companies. | Experienced management and backing of holding company supports prudent portfolio management. | Institutional and corporate entities through securities market participation. | Investment gains and interest income on corporate loans. | 585 | 30 | Gains and dividends from securities, interest on other loans. | Trading and investment income, not recurring as core business. | Market conditions and securities portfolio management. | Trading in Government and Corporate Securities |
