| Financial Services and Lending | Personal loans, gold loans, vehicle loans, SME business loans, foreign exchange services, money changing. | Regional presence augmented by association with Sharewealth Securities Ltd; diversified loan portfolio; established customer base. | Retail clients, high net-worth individuals, SMEs, and corporate clients (B2B and B2C). | Personal and SME loans with efficient NPA recovery enhancing margins. | 2 | 100 | Interest income from lending, fees from forex and money changing services. | Interest-based on loan products; fee-based for forex and related services. | Loan portfolio growth, reduced NPAs, preferential capital allotment, increasing financial inclusion in Kerala. | |
