| Hospitality and Tourism Financing | Term loans for hotel/resort set-up, renovation, acquisition, structured and special situation financing. | Deep sector expertise, long industry presence, exclusive relationships with tourism projects. | Hospitality businesses, project developers, high net-worth individuals (B2B). | Structured finance and special situation financing of hospitality projects. | 135 | 52 | Interest income and fees from term loans and loan syndication services. | Loan interest, fees based on project size and risk profile. | Steady tourism sector growth, greenfield project financing, and renovation/upgradation demand. | |
| Real Estate and Infrastructure Financing | Loans for residential affordable housing, urban infrastructure, renewable energy, and manufacturing expansion. | Regulatory alignment, diversified sector presence, proactive risk management. | Real estate developers, manufacturers, social infrastructure institutions (B2B). | Renewable energy and social infrastructure financing. | 85 | 33 | Interest on loan disbursals and project finance arrangements. | Project-based loan interest. | Affordable housing demand, renewable energy investments, urban infrastructure projects. | |
| Retail and Corporate Lending | Short-term personal loans through fintech, loans against security of listed shares, co-lending with banks/NBFCs. | Early fintech adopter, niche secured lending expertise. | Individuals, high net-worth individuals, NBFCs, housing finance companies (B2B and B2C). | Loans against shares and fintech-driven personal loans. | 40 | 15 | Interest income from retail lending and corporate loan products. | Interest-based, co-lending revenue share, usage-based fees. | Fintech collaborations and rising demand for retail loans, secured lending expansion. | |
