| MSME Lending | Financial products tailored to MSME sector such as business loans secured by property, machinery financing, and supply chain finance. | Strong regulatory compliance, diverse product portfolio, expanding fintech capabilities, wide geographic reach, and experienced management team. | Primarily MSMEs in healthcare, education, chemicals, hospitality and manufacturing sectors; B2B focus with some emerging market loans targeting Tier 2/3 cities. | Embedded finance and business loans with higher interest rates and lower capital requirements. | 15454 | 100 | Interest income from loan disbursements, fees on financial products, and embedded finance commissions. | Interest rates vary by product segment, typically between 13% to 26%; revenues recurring through loan repayments and structured fees. | Increasing MSME credit demand, expanded branch footprint, embedded finance integration, and growing off-book portfolio share. | Secured Business Loan, Business Loan, Machinery Loan, Emerging Market LAP, Supply Chain Financing |
