| Financing Activity | Comprehensive suite of over 25 lending products including home, personal, vehicle, SME, and corporate loans. | Strong brand, nationwide distribution, technology-enabled credit appraisal and collections, Tata Group backing. | Predominantly B2C retail customers, SMEs, and corporate clients across India. | Unsecured retail loans and SME lending show higher margins due to risk premium. | 27393 | 97 | Interest income from loans, fees from loan processing and asset management services. | Interest based on risk and tenure, fees for processing and services; mix of fixed and floating rates. | Robust demand in retail and SME credit space, digital transformation, risk-based pricing, and strategic mergers. | Retail Loans, SME Finance, Motor Finance, CEQ Finance by Tata Capital |
| Investment Activity | Private equity investments, wealth management advisory, insurance and credit card distribution. | Access to Tata Group network, strong client trust, diversified product offerings. | HNI individuals, institutional investors, and third-party product buyers. | Private equity and wealth management advisory generate higher fees and margins. | 1514 | 5 | Fee income from wealth management, distribution commissions, and fund management fees. | Fees based on assets under management, commissions on product distribution. | Increasing financial asset penetration, growing affluent class, and wealth advisory demand. | Tata Capital Private Equity Funds, Wealth Management |
| Others | Third-party insurance and credit card distribution, ancillary financial advisory and management. | Integrated customer relationships and extensive physical plus digital distribution network. | Retail and corporate clients utilizing ancillary financial products. | Ancillary financial product distribution with minimal capital outlay. | 434 | 2 | Service fees, commission income, and other operational revenues. | Commission and service fee-based revenue model. | Cross-selling opportunities through extensive customer base and branch network. | Ancillary financial services linked to core lending and investment operations |
