15 | Annual Report | 2025-2026 PRODUCTs Progress that enable for Every Need Our operations are focused on customer centricity, supported by a range of income-generating and financially inclusive offerings aimed at meeting the diverse needs of financially underserved and unserved customers. Our product portfolio comprises core microfinance products, including the Saral loan and micro-enterprise loans (“MEL”), as well as certain secondary, Cross Sell products offered exclusively to our core loan product customers to address their requirements for both financial and non-financial products. These products support livelihood enhancement, working-capital requirements and essential household needs. Our financial offerings include credit offerings and insurance products, while our non-financial offerings include cross selling of products such as solar lamps, consumer durables, kitchen appliances, bicycles and other household items through partner agencies. These products can also be financed by us through secondary loans for eligible customers. Our credit offerings comprise income-generating loans and loans extended for essential household purposes. Our insurance offerings include life and health insurance products issued and underwritten by certain insurance companies in India, which are distributed by us pursuant to tie-up arrangements with such insurers. In addition to our core organic offerings, we also undertake sourcing and collection arrangements, provide term loans to NBFCs and engage in direct assignment transactions with NBFCs.
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