Earn up to 13.04% p.a.
Predominantly secured: ~96% of AUM is secured, with ~87% backed by gold jewellery and ~10% by mortgages (home loans and LAP), supporting a small-ticket, low-risk lending model with strong collateral cover and high recoverability.
Adequate capitalisation: Net worth ₹5,384 Cr (Sep’25), supported by strong internal accruals. Gearing at 5.6x and CRAR of 18.91% provide adequate buffers for growth.
Improving profitability: PAT rose to ₹787 Cr in FY25 from ₹563 Cr in FY24, with RoMA improving to 2.3% from 2.1% in FY24, driven by strong core gold loan performance.
Healthy asset quality: Net NPA improved to 0.76% (Sep’25) from 1.28% (Mar’25), reflecting strong collection efficiency and low delinquencies in the gold loan book.
Diversified funding profile: Funding is well diversified across term loans, NCDs, ECBs, sub-debt and CP, with access to a wide PSU and private bank network (including SBI, PNB, BoB, Axis, HDFC, IndusInd, Federal Bank), supporting funding stability and refinancing flexibility.
Strong liquidity: As of Sep’25, liquidity was strong at ₹3,063 Cr (₹2,457 Cr cash & ₹606 Cr undrawn limits), with positive ALM gaps up to one year, comfortably covering the ₹1,793 Cr debt repayments due in the next three months.
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