| Non-Banking Financial Services | Wholesale lending and MSME loans including equipment purchase, business expansion, property loans, and e-vehicle financing. | Strong local knowledge, personalized client servicing, RBI registration ensuring credibility. | MSME, small & medium enterprises in semi-urban and rural markets, B2B and some retail clients. | Wholesale lending and MSME equipment loans yield higher margins. | 3 | 100 | Income from interest on loans and financial services. | Interest-based income on loan portfolios; no deposit acceptance. | Increasing credit demand in MSME sector and introduction of digital loan platform. | |
