We follow the segment and product approach while purchasing portfolios. Our infrastructure and risk segmentation approach resonates this strategy. Our focus is to drive efficiency and customer excellence across all products within the segment.
This is our niche segment and refers to individual consumer loan accounts with receivables up to Rs. 5 crore. Typically, these are loan accounts in the mass market segment and includes asset classes such as student loans, retail mortgages, commercial mortgages, vehicle loans, business loans, personal loans, credit cards and other credit facilities (backed by security or otherwise).
These are typically loans taken by borrowers for working capital limits (either term loan or overdraft) which are backed either partially or fully by collateral. We have classified this segment having receivables up to Rs. 25 crore. There is a significant credit uptick in this segment which we have noticed historically and remain deeply interested in acquiring, managing and turning around non-performing loans to this customer segment.
These are loan receivables above Rs. 25 crores lent to corporate and industrial houses having significantly large turnovers across manufacturing segment, power, road infrastructure, EPC, hospitals and real estate.
| Product Categories | Business Segments | ||
|---|---|---|---|
| Retail/ MSME | SME | Corporate | |
| Student Loan | |||
| Mortgage Loan | |||
| Secured Term Loan | |||
| Credit Cards | |||
| Unsecured Term Loan | |||
| Working Capital Collateralized Loan | |||
| Vehicle Loan | |||
| Business Loan | |||
| Loan to self-employed professionals | |||
These are loan receivables above Rs. 25 crores lent to corporate and industrial houses having significantly large turnovers across manufacturing segment, power, road infrastructure, EPC, hospitals and real estate.
| Segments | Product Categories | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Student Loan | Residence Mortgage | Commercial Mortgage | Credit Card | Unsecured Term Loan | Working Capital Collateralized Loan | Vehicle Loan | Business Loan | Loan to self-employed professionals | |
| Retail/MSME | |||||||||
| SME | |||||||||
| Corporate | |||||||||
