Underserved businesses and households represent a significant proportion of India’s population that faces challenges in obtaining credit due to reasons such as a lack of credit history and the ability to provide collateral. Over the past 12 years, we have focussed on this challenge through our platform approach.
We focus on addressing a wide spectrum of the credit requirements of underserved households and businesses through our sectoral approach. We operate in focussed sectors including microfinance, MSME finance, vehicle finance (includes commercial vehicle and two-wheeler finance), consumer finance, affordable housing finance and agricultural supply chain finance.
Of these sectors, four of them, being microfinance, MSME finance, vehicle finance and consumer finance, have grown at rates of 9% to 31% during the period from Fiscal 2018 to Fiscal 2021.