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.
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