Aditya Birla Capital enters gold loan biz; targets 1,000 branches in 3 years

Aditya Birla Capital enters gold loan biz; targets 1, 000 branches in 3 years It will start with opening up to 300 gold loan branches by the end of FY27 throughout high-potential markets.

Key points

• While disbursements grew 25% to ₹84, 204 crore, in FY26, the NBFC's assets under management grew 27% year-on-year to ₹1, 59, 916 crore, with retail and SME comprising 68% of AUM.
• In Q1 FY27, AUM of the firm climbed by 28% year-on-year to ₹1, 67, 456 crore, and disbursements rose 34% to ₹21, 201 crore, the release went on.
• Aditya Birla Capital on Thursday (August 20, 2026) joined non-bank lending peers who are either entering or ramping up presence in the lucrative gold loan business.
• It will start with opening up to 300 gold loan branches by the end of FY27 throughout high-potential markets, an official statement stated.
• Outstanding credit extended by non-banking financial firms (NBFCs) against gold jewellery surged almost 69.3% year-on-year in June, marking the fastest expansion among all major lending segments.

Unlike some entities which have taken the acquisition route to enter the business, the Aditya Birla group's financial services arm seems to be focusing on building its gold lending business by itself and confirmed a target of 1, 000 gold loan branches in three years.

"Gold loans are witnessing strong structural growth in India, and our entry into this segment is a natural extension of our secured lending strategy, " remarked Rakesh Singh, executive director and chief executive – NBFC, Aditya Birla Capital.

According to It can be, lending against gold has seen a massive surge in the recent past with an rise in the rates of the precious metals.

Outstanding credit extended by non-banking financial firms (NBFCs) against gold jewellery surged almost 69.3% year-on-year in June, marking the fastest expansion among all major lending segments. The overall portfolio loans against gold jewellery stood at ₹3.42 lakh crore at the end of June 2026, up 69.3% from ₹1.44 lakh crore a year earlier.

According to experts, factors like high rates of gold and an emotional attachment that ensures borrowers repay to ensure that they secure their gold back are among the factors driving the surge in gold loans.

Meanwhile, the firm is already into offering a slew of retail products and additionally sells offerings to the small business segment.

For context, the newly introduced gold loan offering will cater to various customers throughout urban and semi-urban markets, serving existing customers within the Aditya Birla Capital ecosystem and expanding its reach to new customers through an integrated distribution network of physical branches and digital platforms, the firm stated.

Taken together, the developments around aditya Birla Capital enters gold loan biz; targets 1, 000 branches in 3 point to a situation that is still moving, and the coming days should bring more clarity.