| Housing Finance | Retail home loans for construction, purchase, repair and renovation of residential property | NHB registration, early market entrant in Rajasthan, strong rural branch network, digital processing platform, low NPA, and broad lender relationships | Retail customers primarily in rural and semi-urban areas, mostly self-employed and non-salaried | Small-ticket, low LTV housing loans with regular EMI payments | 1100 | 100 | Interest income from long-term home loans and fees from loan processing | Risk-based pricing with interest spread around 2.7% NIM and low LTV ratios under 50% | Rural penetration, technology-driven processing, underserved borrower segments, small-ticket loans with quick disbursement | SRG Srajan Digital Loan Platform |
