बिज़नेस मॉडल

VALUE CREATION IS AN
ENDURING JOURNEY
We look at value creation in a holistic manner that benefits our stakeholder universe sustainably.
STAKEHOLDER RELATIONSHIPS WE DEPEND UPON

इन्वेस्टर्स

Business initiatives require financial capital, which includes shareholders’ equity, debt and operating cash. Our investors are key to the financial resources necessary to run the business.

`7,543.9 crores

Shareholders’ equity

9.30 times

औसत गियरिंग

कर्मचारी

Our people bring on board expertise and experience to drive efficiency in all aspects of the business.

1,609

Total workforce

पार्टनर

The Company reaches out to customers through in-house distribution channels and independent sales agents. Consultation with external service providers and auditors is undertaken to fulfil various business objectives.

25,000+

External sales partners (including direct marketing agents, deposit brokers and connectors)

कस्टमर

Individuals, households, businesses and corporates help in generating revenues through interest payments.

`84722 crores

AUM

GOVERNMENTS AND REGULATORS

We are committed to good governance practices, adhering to all pertinent regulatory frameworks, complying with taxes payable on our products and services and conducting constructive dialogue with relevant authorities

`503.48 crores

Paid in taxes to the exchequer (excluding GST)

समुदाय

We derive the license to operate from the trust our stakeholders place in us. The goal is to validate this trust through our initiatives.

`17.24 crores

CSR spend

40,000+

CSR beneficiaries

BUSINESS PROCESSES

हम बना रहे हैं

owning a home a
seamless experience

प्रस्ताव

a broad range of products to suit the
requirements of different customers

POSSESSING

sector-specific knowledge and
technical expertise to better
understand customers

EVALUATING

risks to people, property and assets
for the sake of business sustainability

परिणाम

Regular returns to investors

Creation of jobs, upskilling of high-potential talent and providing career development opportunities

Reliable value-accretive partnerships for associates, offering insights and analysis

Trusted experience and solutions that offer unparalleled service

Direct and indirect contribution to the prosperity of local communities