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AVIOM caters to low-income households in rural and semi-urban areas. It provides loans to women borrowers who do not have any formal income documentation. These loans are usually for construction, improvement, sanitation and renovation. It also gives loans against property for business requirements. Loan ticket size on the platform ranges from ₹50,000 to ₹5 lakh with average credit disbursement touching ₹3 lakh. Currently, the housing finance entity has a presence in 14 states with over 100 branches. The company also provides livelihood to more than 18,000 women through its Shakti Channel which incentives them to source loans in rural areas. Its digital lending platform helps in increasing operational efficiency and reducing turn-around time thereby ensuring effective credit decision making.