Strategic Business Expansion
Aditya Birla Capital Limited's NBFC business announced its entry into the Gold Loan business, marking a strategic expansion of its secured lending portfolio. The gold loan offering complements the company's existing retail and MSME lending franchise and aims to provide customers with transparent, flexible, and collateral-backed credit solutions.
Branch Expansion Plan
The company has planned a phase-wise rollout of 200-300 dedicated Gold Loan branches by March 2027 across high-potential markets. Over the next three years, the ABCL-NBFC business aims to establish a network of approximately 1,000 Gold Loan branches, building a strong pan-India franchise.
Product Features and Customer Approach
The gold loan offering is designed around trust, transparency, and convenience, combining dedicated branch-led service with omnichannel digital capabilities. It will provide customers with seamless borrowing experience, transparent pricing, secure handling of pledged gold, and swift loan disbursals. The offering will cater to various customers across urban and semi-urban markets, serving both existing customers within the Aditya Birla Capital ecosystem and new customers.
Management Commentary
Mr. Rakesh Singh, Executive Director and CEO - NBFC, Aditya Birla Capital Limited, stated: "Gold loans are witnessing strong structural growth in India, and our entry into this segment is a natural extension of our secured lending strategy. We are building our Gold Loan business from the ground up, shaped by principles of trust, integrity, and responsible stewardship, with a strong focus on governance, prudent risk management, operational excellence, and a customer-first approach."
NBFC Business Performance Metrics
FY26 Performance:
- AUM grew 27% YoY to ₹1,59,916 Crore
- Retail and SME comprised approximately 68% of AUM
- Disbursements grew 25% to ₹84,204 Crore
- Profit before tax grew 20% to ₹4,023 Crore
Q1 FY27 Performance:
- AUM rose 28% YoY to ₹1,67,456 Crore
- Disbursements increased 34% to ₹21,201 Crore
- Profit before tax grew 32% to ₹1,222 Crore
Company Background
Aditya Birla Capital Limited is a listed systemically important, Upper Layer Non-Deposit taking Non-Banking Financial Company (NBFC-ICC) and the holding company of the financial services businesses. The company and its subsidiaries/JVs provide comprehensive financial solutions across Loans, Investments, Insurance, and Payments.
As of June 30, 2026:
- Over 66,500 employees
- Over 1,759 branches
- More than 200,000 agents/channel partners
- Aggregate assets under management of approximately ₹7.53 Lakh Crore
- Consolidated lending book crossed ₹2.19 Lakh Crore
The company is part of the Aditya Birla Group, a US$67 billion global conglomerate with consolidated market cap of over US$117 billion as of January 1, 2026.
Disclaimer Note
Loans are granted at the sole discretion of Aditya Birla Capital-NBFC business and subject to applicable terms and conditions, credit appraisal, eligibility check, rates, etc.