Magma inspires confidence within financiers and alliance partners for a number of reasons: we practice a systemic approach to risk management, maintain a high asset quality, enjoy a lower-than-industry NPA and have demonstrated increasing returns across the long-term.

These strengths translate into a number of advantages:

• Synergic alliances with partners to leverage experience and grow retail financing volumes: Magma enjoys a 'preferred financial partner' status with the business associates, resulting in increased volumes:

• The facility to borrow large amounts at competitive interest rates at all times;

• A geographically vast presence that helps financiers diversify their credit portfolio across India's semi-urban and rural markets;

• A robust IT system that reduces systemic inefficiencies and aids informed decision-making.