Competitive Strength 

• Highly granular retail loan book, bolstered by a large and rapidly growing customer base with a focus on serving the underbanked customer segments;
• Large, diversified and seasoned product portfolio with a sustainable track record of diversification, growth and profitability through the cycles;
• Comprehensive systems and processes contributing to robust credit underwriting and strong collections;
• Advanced technology tools driving enhanced customer experience and efficiency across each stage of the customer lifecycle;
• High-quality liability franchise with access to low cost, diversified borrowing sources and the highest credit Rating;
• Track record of robust financial performance with sustainable and profitable growth;
• Stable, highly experienced and professional management team supported by a talented workforce;
• Distinguished parentage of HDFC Bank, India’s largest private bank, enjoying strong trust and brand equity with consumers

Business Strategies 

• Diversify and expand the addressable customer segments by widening and enhancing product offering;
• Continue to expand the pan-India omni-channel distribution network;
• Continue to invest in technology, data analytics and artificial intelligence to further improve customer experience, increase organizational productivity and decrease costs;
• Continue to diversify the borrowing profile to optimize borrowings costs;
• Further strengthen and improve the robust risk management framework as well as underwriting and collections capabilities to minimise the risk of credit losses;
• Continue to attract, upskill and retain talented employees by strengthening the organizational culture.

Augmentation of the Company’s Tier – I Capital base to meet their Company’s future capital requirements including onward lending under any of the Company’s business verticals i.e. Enterprise Lending, Asset Finance and Consumer Finance.