| Foreign Exchange & Money Exchange | Currency exchange, international remittances for education, medical, emigration fees. | Authorised Dealer Category II License, partnership with SBI, and regulatory-approved PPI issuance. | Individual retail customers, overseas students, emigrants, healthcare patients (B2C). | Cross-border remittance and forex transactions, especially for specialized purposes. | 1425 | 99 | Fees and commissions from forex transactions and remittance services. | Transaction-based fees regulated by RBI; competitive pricing for volume growth. | RBI licenses for outward remittance, rising overseas education and healthcare demand, digital forex platforms. | Transcorp Forex Services |
| Travel Ticketing & Car Rental | Travel and tour services, car rental booking and management. | Well-established subsidiary with history since merger in 2001. | Individual travelers, corporate clients (B2C/B2B). | Customized travel packages and corporate rentals. | 5 | 0 | Service fees from bookings and rentals. | Direct sales and commission-based fees. | Growth in domestic and outbound travel post-pandemic recovery. | Ritco Travels and Tours |
| Investments Building Rent & Share | Real estate investments, building rentals and equity shares investments. | Wholly owned subsidiaries managing real estate assets and investment portfolios. | Internal group entities and external tenants. | Investment income from equity shares and rental properties. | 0 | 0 | Rental income and investment returns. | Lease agreements and market-based investment returns. | Stable rental incomes and strategic equity holdings. | |
