| Retail Banking | Loans to individuals including microfinance, mortgage, vehicle finance, and deposit products. | Strong rural presence, government-backed credit guarantee coverage, specialized microfinance expertise, growing digital ecosystem. | Primarily B2C serving economically weaker sections, women, MSMEs, retail individuals. | Secured lending segments like mortgage and commercial vehicle finance yield higher margins. | 2039 | 78 | Interest income from loans, fees from deposit products and digital services. | Interest-based lending with competitive rates, commission fees on deposit schemes, recurring interest income. | Rising demand for microfinance credit, digital banking adoption, increased retail deposits, government coverage schemes. | Vikas Loan, JLG, Micro Home Loan, Mortgage Loans, Secured Credit Card |
| Corporate Banking | Loans and credit facilities to NBFCs, SMEs, and corporates. | Niche focus on SME credit, corporate relationships, and digital credit underwriting. | B2B focusing on NBFCs, MSMEs, and small corporate entities. | MSME lending and supply chain finance segments with customized products. | 123 | 5 | Interest income and financing fees from corporate and institutional clients. | Interest-based with structured financing terms and credit risk pricing. | Growing MSME sector demand, supply chain financing needs, partnerships with corporates. | Financial Institution Group (FIG) loans, Supply Chain Finance, MSME loans |
| Treasury | Investment and asset-liability management including government securities and fixed income instruments. | Robust risk management and investment expertise ensuring capital preservation. | Internal treasury operation for bank's fund management. | Government securities and low-risk treasury instruments. | 239 | 9 | Interest income and trading profits from treasury operations. | Yield on treasury investments and interest spreads. | Interest rate environment, efficient fund management, liquidity regulation adherence. | |
| Other Banking Operations | Ancillary banking services and fee-based income activities. | | Retail and corporate customers utilizing banking services. | | 34 | 1 | Fees and commissions from banking services apart from core lending. | Fee-for-service based. | Expanding banking services ecosystem and new digital products. | |
