Private sector lender Dhanlaxmi Bank is aiming to enhance its home loan biz by rendering maximum focus on the self employed customer segment.

The bank's head of Retail Assets and Credit Card, Mr Arvind Halli said that despite the fact being that self employed class are a riskier customer segment for lending, however, they enhance chances of product cross selling.

He said that the loan to value (LTV) ratio happens to be lower for the self employed customer than that for the salaried customer.