Segment-led growth. Inclusive impact.

At the heart of our strategy is a threepronged, customer-centric approach designed to expand access to housing finance across diverse geographies and income groups:

Prime: Catering to urban salaried and self-employed professionals with established credit history.

Emerging Markets: Empowering aspiring borrowers in semi-urban and emerging areas with flexible, needbased financial solutions.

Affordable Segment (Roshni): Enabling homeownership for low and middleincome households in India's Tier 2 and Tier 3 towns.

Each vertical is supported by customised underwriting frameworks, dedicated teams, and tech-led tools to enable sharp, scalable, and responsible lending.

Our Affordable business, branded as Roshni, crossed a landmark `5,000 crore in loan asset in just 27 months, a testament to the immense demand and our execution capabilities. Likewise, the Emerging Markets vertical, introduced in FY25, has scaled swiftly delivering high-yield, low-ticket loans, unlocking growth opportunities in Bharat’s heartland.