Earn up to 13.04% p.a.
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.
*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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