Retail and MSME Business loans:-These are typically mass-market loan accounts that include asset classes such as student loans, retail mortgages, commercial mortgages, vehicle loans, business loans, personal loans, credit cards, and other credit facilities (backed by security or otherwise).
SME Business Loans:-These are generally loans taken out by debtors for working capital constraints (either term finance or overdraft) that are partially or entirely collateralized. This segment was classified as having payables up to Rs. 25 crores. Reliance ARC has noticed a significant credit uptick in this segment and remains very interested in acquiring, managing, and turning around non-performing debts to this customer segment.
Loans for Business Corporations:-These are loan accounts receivable over Rs. 25 crores made to industrial and commercial houses with significant large turnovers in the manufacturing, power, road systems, EPC, hospitals, and real estate sectors.