1. Gold loans

• Awide range of schemes to suit diverse customer needs.
• No end-use restrictions
• Doorstep gold loan extended across India
• Loan-to-value (LTV) linked to loan tenure

Online gold loans (OGL)

• Gold loans offered at the convenience of the borrower
• Gold loans of up to ₹ 15 million offered online
• Easy documentation, instant approval, convenient 24X7 online repayment
• Hassle-free, paper-less transactions.
• Free, safe custody of gold

2. Asirvad Micro Finance Limited

• MFI loans through our subsidiary - Asirvad Micro Finance Limited
• Types of loans
  • Income generating programme (IGP) loan
  • Product loan
  • MSME loan
  • Gold loan
• Loan tenure up to 24 months

3. Housing finance

• Home loans through our subsidiary - Manappuram Home Finance Limited
• Focus on affordable housing loans for mid- to low-income group
• Average loan size of ₹ 1.5 million

 4. Vehicle and equipment finance
Auto loans (cars)

• Loans for new/used vehicles
• Minimum loans starting from ₹ 1,00,000
• Maximum tenure - 84 months new vehicles and 60 months used vehicles

Two-wheeler finance

• Loans for new/used vehicles and refinancing
• Minimum loans starting from ₹ 1,00,000
• Maximum tenure - 60 months

Construction Equipment finance

• Loans for new/ used construction equipment
• Minimum loans starting from ₹ 1,00,000
• Maximum tenure - 84 months new vehicles and 60 months used vehicles

Farm Equipment finance (Tractors)

• Loans for new/used farm equipment
• Minimum loans starting from ₹ 1,00,000
• Maximum tenure — 60 months

5. Others
MSME finance

• Loans are provided against property as collateral and against Rent Receivables
• Loan amount ranging from ₹ 1,00,000 to ₹ 1.5 million
• Tenure of loan ranging from 12 months up to 120 months
• Average Turnaround time (TAT) ~ 3 to 6 days

Forex and money transfer

• Fast, easy and safe money transfer
• No bank account needed for amount up to ₹ 50,000
• Send cash anywhere in India within seconds
• Send money abroad
• Authorised Dealer Category - II Licence from the RBI

 Insurance broking

• Earned ₹ 92.49 million revenue from broking operations
• Gross income of the Company for FY 2021 decreased to ₹ 99 million as compared to ₹ 150.24 million for FY 2020 due to the pandemic
• PAT for FY 2021 was ₹ 29.032 million compared to ₹ 73.29 million for FY 2020
• Claim settlement ratio for FY 2021 stood at 93.50%
• Engaged more than 7,000 point-of-sale agents pan India, which helped in business penetration; in the retail channel as well, the Company managed to issue more life insurance policies
• Moved to the online platform of Masuraksha, an ISNP platform of Manappuram Insurance Brokers Limited, which has made possible issuance of insurance policy in just a few clicks
• Set up a strong customer service team, which assists customers for renewal, claims and grievances