| MSME Lending | Secured loans to micro and small enterprises, focusing on ₹5-30 lakh loan size. | Robust local market knowledge, strong underwriting, dedicated collections, and extensive branch network. | Small businesses and micro enterprises predominantly in tier II and III cities (B2C). | Secured loans against property with strong credit underwriting. | 874 | 67 | Interest income on loans, loan processing fees, and related financial services. | Loan interest plus fees, based on risk and collateral evaluation. | Increasing MSME credit demand and geographic expansion in underserved markets. | |
| Loan Against Gold (LAG) | Collateral-backed loans secured by gold assets. | Expertise in gold valuation, risk controls, and strong recovery mechanisms. | Retail customers seeking short-term liquidity. | Gold loan portfolio with superior yields and quick turnaround. | 179 | 14 | Interest income from gold loan portfolio. | Interest-based loan products with quick processing. | High yield with liquid security and demand for gold-backed loans. | |
| Loan Management Services | Fee-based services handling repayment modes and delinquent loan management for third parties. | Expertise in collections, legal processes, and technology-enabled loan servicing. | Other financial institutions outsourcing loan administration (B2B). | Efficient delinquency management and legal case execution. | 96 | 7 | Service fees from third-party financial institutions for loan management tasks. | Fee-for-service model. | Increasing outsourcing of loan management by financial institutions. | |
