2. Annual Report
  3. Annual Report 2020-21
  4. Products And Services

Products and Services

Dedicated to serve varied customer requirements

Our customers have diverse and evolving requirements, which need to be understood and addressed with speed. We have put in place a strong asset-liability franchise and offer third-party products across multiple delivery channels.

img Asset products

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MICRO BANKING

Products
  • Group Loans
  • Individual Loans
  • Agri Group Loan
  • Kisan Suvidha Loan
  • Kisan Pragathi Card
  • Gold Loan
  • Street Vendor Loan

₹10,868Cr

Asset book

49.27Lakhs

Customer base

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AFFORDABLE HOUSING

Products
  • Construction and Purchase
  • Home Improvement
  • Composite Home
  • Home Equity Loan
  • Commercial Purchase Loan

₹2,050Cr

Asset book

24,080

Customer base

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MICRO AND SMALL ENTERPRISES (MSE)

Products
  • Business EDGE Loan and Overdraft Facility
  • Secured Enterprise and Business Loan
  • OD against property
  • Loan against property
  • Loan against Rent Receivables
  • Overdraft with Fintech partnership

₹1,286Cr

Asset book

13,583

Customer base

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VEHICLE LOANS

Products
  • Two-wheeler loan
  • Mini & Micro Commercial Vehicle (MMCV) Loan-Electric and ICE Engine
  • Used Car loan

₹73Cr

Asset book

10,301

Customer base

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PERSONAL LOAN

Products
  • Loan to salaried customers
  • Loans to self-employed professionals

₹138Cr

Asset book

8,332

Customer base

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FINANCIAL INSTITUTIONS GROUP

Products
  • Term loan to NBFCs and MFIs
  • Working Capital Products (CC/OD/WCDL)

₹648Cr

Asset book

37

Customer base

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RETAIL

Products
  • Current Account
  • Savings Account
  • Term Deposit
  • Goal Based Deposits
  • Digital Savings and Fixed Deposits

₹6,242Cr

Liabilities book

55Lakhs+

Customer base

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INSTITUTIONAL

Products
  • Fixed Deposits
  • Term Money
  • Current Account
  • Certificate of Deposit
  • Escrow Account

₹6,893Cr

Liabilities book

600

Customer base

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LIFE INSURANCE

Partners
  • Bajaj Allianz Life Insurance
  • Aditya Birla Sun Life Insurance
  • HDFC Life Insurance
Offerings
  • Credit Life Insurance
  • Term Insurance, Endowment and PAR Products
  • POS and ULIP

28Lakhs+

Lives insured

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GENERAL INSURANCE

Partners
  • ICICI Lombard General Insurance
  • Bajaj Allianz General Insurance
Offerings
  • Motor, Property, Home Content
  • Personal Accident

83,524

Asset/Life secured

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HEALTH INSURANCE

Partners
  • ICICI Lombard General Insurance
  • Bajaj Allianz General Insurance
  • HDFC Ergo Health Insurance
Offerings
  • Hospital Daily Cash
  • Health Indemnity/ Family Floater

33,008

Lives secured through health insurance