| Non-Banking Financial Services | Unsecured MSME loans, loan against securities including insurance policies, mutual funds, demat shares, capital advisory and financial consultancy. | RBI registered NBFC status, quick loan processing, digital platform, experience in financial services, and diversified product portfolio. | MSMEs, retail individual borrowers, investors seeking capital advisory. Mix of B2B and B2C. | Loan against securities, capital advisory exhibit higher margins compared to unsecured lending. | 116 | 100 | Interest income from loans, fees from capital advisory and financial services. | Interest-based lending, premium fees for advisory, occasional upfront charges on loans. | Rising MSME credit demand, digital lending channels expansion, evolving capital markets products. | Sera Investments & Finance India Ltd |
