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.
Strong Financial Profile :** Healthy asset quality with Net NPA improving to 0.76% (Sep'25) from 1.28% (Mar'25), reflecting strong collection efficiency and low credit risk, supported by a robust capital base with **net worth of ~INR 5,384Cr, CRAR of 18.91%, and adequate capital buffers for future growth.
Improving profitability : PAT rose to INR 787Cr in FY25 from INR 563Cr in FY24, with RoMA improving to 2.3% from 2.1% in FY24, driven by strong core gold loan performance.
*Given TDS is indicative and fully claimable while filing ITR. The interest income from this bond will be taxable and will appear in the additional source of income in your ITR. Please consult your tax advisor for precise taxation details 
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