| Investing and financing related activities | Home loans, secured MSME loans, and mortgage lending services | Strong capital base, RBI-regulated NBFC status, extensive branch network, and digital lending platform. | B2C retail customers and small businesses in India | Mortgage-backed retail lending and secured MSME loans | 14327 | 98 | Interest income from loan disbursals and financing | Interest-based lending with fees and commission | Rising housing demand and expanded co-lending tie-ups with major Indian banks | Sammaan Capital home loans and mortgage loans |
| Fee Income | Cross-selling insurance products, advisory services | Integration with loan products facilitates strong fee income generation. | B2C retail borrowers and institutional clients | Insurance commission income | 305 | 2 | Commissions, fees from insurance partnerships and advisory | Fee and commission based, recurring over policy periods | High insurance attachment rate of 80%, increased penetration of financial services | Insurance and consultancy services linked to mortgage lending |
