25K+ already in the waitlist
Experienced management team: Led by Promoter & Director Mathew K. Cherian (40+ Yrs in finance), supported by a senior management team (majority with 5+ years’ tenure), bringing deep expertise in gold lending.
Large lender base: PSU banks( SBI, BoB, Union Bank), Private banks (HDFC, Axis , Kotak Mahindra ) & NBFCs ( Bajaj Finance, TATA Capital)
Predominantly secured retail portfolio: ~ 100% of AUM is secured (99.07% by gold jewelry, 0.88% by mortgages/LAP), ensuring strong collateral and high recoverability.
Growing AUM base: AUM reached ₹6100 Cr. in Sept ‘2025 ( vs ₹5680 Cr in Mar’FY25 & ₹5310 Cr in FY24.) with 581 branches
Improving profitability: PAT rose to ₹127 Cr in FY25 (vs. ₹113.6 Cr in FY24), maintaining ROA around 2.06% (FY25) and 2% (FY24). In Q2 FY26, PAT was ₹48.2 Cr, with an annualized ROA of 2.9%, supported by stable borrowing costs.
Stable asset quality: GNPAs are stable at 1.75% in Sept’ 25 (Mar’25: 1.37%; Mar ’24: 1.44%), supported by regulatory LTV caps (75%) and timely gold auctions.
Strong capital buffer: Capital remains comfortable, supported by a ₹50 Cr. rights issue in FY24, lifting Tier I capital to 17.64% in Q2 FY26 (FY25: 17.39%; FY24: 16%), with moderate leverage of 4.9x.
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