Aditya Birla Capital launches Gold Loan business, plans 1,000 branches in 3 years
Aditya Birla Capital is entering the Gold Loan business, planning to open 200-300 branches by March 2027 and a total of 1,000 branches in three years. This expansion aims to bolster its secured lending portfolio. The NBFC's AUM grew to ₹1,67,456 Crore in Q1 FY27.
Entering a new business segment like gold loans represents a significant strategic move that could impact the company's revenue streams and market share. The planned expansion with a substantial number of branches suggests a considerable investment and market push.
The company's entry into the gold loan business and its expansion plans indicate a strategic growth initiative, which is positive for the company's future prospects and market presence.
Aditya Birla Capital Limited (ABCL), through its NBFC business, has announced its entry into the Gold Loan business, marking a strategic expansion of its secured lending portfolio. This new offering aims to provide customers with a transparent, flexible, and collateral-backed credit solution, complementing its existing retail and MSME lending.
The company plans a phase-wise rollout, intending to open 200-300 dedicated Gold Loan branches by March 2027 in high-potential markets. Over the next three years, the ABCL-NBFC business aims to establish a network of approximately 1,000 Gold Loan branches across India.
Mr. Rakesh Singh, Executive Director and CEO - NBFC, Aditya Birla Capital Limited, commented that gold loans are witnessing strong structural growth in India and this entry is a natural extension of their secured lending strategy. He emphasized the importance of trust, transparency, and secure handling of gold for customers, areas where ABCL aims to excel, backed by the Aditya Birla Group's legacy. The business will focus on governance, risk management, operational excellence, and a customer-first approach, leveraging both physical branches and digital capabilities.
The offering will cater to urban and semi-urban markets, serving existing ABCL customers and attracting new ones. The ABCL-NBFC business, a top five AAA-rated diversified NBFC, reported significant growth in FY26 with AUM reaching ₹1,59,916 Crore and profit before tax at ₹4,023 Crore. In Q1 FY27, AUM grew to ₹1,67,456 Crore, with profit before tax at ₹1,222 Crore.
Aditya Birla Capital Limited is a systemically important, Upper Layer Non-Deposit taking Non-Banking Financial Company (NBFC-ICC). As of June 30, 2026, its consolidated lending book crossed ₹2.19 Lakh Crore. ABCL is part of the Aditya Birla Group, a global conglomerate with aggregate assets under management of about ₹7.53 Lakh Crore.
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Aditya Birla Capital Limited filed this with the NSE as a statutory disclosure, categorised under other corporate actions. It is a primary document, not a recommendation, and the desk marks it medium impact: worth reading, rarely worth acting on by itself.
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See the model portfoliosA plain-language summary of a public exchange filing by Aditya Birla Capital Limited. Read the original for the full detail.