| SaaS Business | End-to-end loan management SaaS solutions for NBFCs in the US market. | Proprietary fintech platform with wide adoption and regulatory compliance, strong client relationships. | Primarily B2B focusing on NBFCs across 45 US states. | Recurring software licensing and transaction fees. | 133 | 44 | Subscription and transaction-based revenue from NBFCs using the SaaS platform. | Adaptive pricing per transaction, license, and store. | Increasing loan volume, expanding NBFC clientele, and technological enhancements in SaaS platform. | QFund Loan Management System |
| IDC & IT Services | Data center hosting (SOC-2 certified), IT consulting, cloud, and security services. | Multi-state data centers with high uptime SLA, offshore development teams, and certified infrastructure. | B2B clients in US across healthcare and financial services sectors. | Security and cloud managed services. | 57 | 19 | Project fees, hosting fees, and managed services. | Service contracts and usage-based fees. | Increased demand for secure hosting, digital transformation projects, and cloud services. | KSoft Systems IT Consulting |
| Healthcare Services | Tertiary care, multi-specialty hospitals with 700 beds across Hyderabad. | Advanced infrastructure, clinical partnerships, and location advantage. | B2C patients and healthcare partners in India. | Specialty and tertiary care services. | 104 | 34 | Patient care services, diagnostics, specialty treatments. | Fee-for-service with some insurance partnerships. | Healthcare demand growth, service expansion, and medical partnerships. | Virinchi Hospitals |
| Payment & Credit Services | Line of credit for UPI payments; credit cards in partnership with banks and NBFCs. | Proprietary credit decisioning using machine learning, partnerships with banks and NBFCs. | B2C Indian consumers using digital payments. | Credit line interest and payment platform fees. | 0 | 0 | Interest income, transaction fees, and partner commissions. | Usage and interest-based revenue. | Rising UPI transactions and digital credit adoption. | vCard Mobile App |
