The bank offers a diverse range of financial products, including loans for education, housing, and vehicles, with a strong focus on customer experience and innovative solutions. Under the leadership of MD & CEO Daljit Dogra, the bank has made significant strides in expanding its lending portfolio and enhancing its digital capabilities.

FRONT OFFICE UPSHIFTS

Upshift No. 1 - Expansion of Lending Portfolio: Over the past 2 years, Zoroastrian Bank has implemented significant frontoffice transformations that have greatly enhanced its product suite and customer experience. The most notable change has been the successful expansion of its lending portfolio with innovative products. This includes Education Loans aimed at supporting academic aspirations, secured personal loans that provide risk-mitigated credit access, and solar loans designed to promote renewable energy initiatives. Additionally, the launch of the ‘wealth plus deposit’ scheme has introduced a superior wealth management solution catering specifically to high-net-worth individuals (HNIs). This diversification strategy has not only retained deposits from HNI clients, trusts, and institutions but has also improved the bank’s cross-sell ratio. Daljit Dogra, MD & CEO of Zoroastrian Bank, remarked: “Our organization has stimulated high-impact front-office transformations, significantly elevating our product suite and customer experience.”

Upshift No. 2 - Housing & Car Loans: In FY 2022-23, the bank revamped its housing loan product, introducing industry-leading interest rates and flexible repayment options. Alongside this, it launched competitive car loans starting at an attractive rate of 8.25%. These offerings have driven exceptional growth in the loan portfolio, significantly enhancing clients’ access to financing and promoting financial stability.