Aditya Birla Capital Enters Gold Loan Business, Plans Expansion of 1,000 Branches Over Three Years
Aditya Birla Capital Limited (ABCL), a leading diversified financial services company in India, has announced its strategic entry into the Gold Loan business. This move marks an expansion of the NBFC's secured lending portfolio and aims to provide customers with a transparent, flexible, and collateral-backed credit solution that complements its existing retail and MSME lending franchise.The Company has outlined a phased rollout plan for the new vertical, intending to open 200 to 300 dedicated Gold Loan branches by March 2027 across high-potential markets. Over the next three years, ABCL's NBFC business aims to establish a network comprising approximately 1,000 Gold Loan branches nationwide, thereby strengthening its pan-India presence.
The Gold Loan offering is designed around principles of trust, transparency, and convenience. It combines dedicated branch-led service with omnichannel digital capabilities, ensuring customers receive a seamless borrowing experience supported by transparent pricing, secure handling of pledged gold, and swift loan disbursals.
Commenting on the launch, Mr. Rakesh Singh, Executive Director and CEO - NBFC at Aditya Birla Capital Limited, stated that Gold loans are undergoing strong structural growth in India. He added that ABCL's entry is a natural extension of its secured lending strategy. Leveraging the generational legacy of trust from the Aditya Birla Group, the company is positioned to meet customer needs for transparency and secure asset handling.
The offering will cater to both urban and semi-urban markets, serving existing customers within the Aditya Birla Capital ecosystem while expanding reach to new clientele through an integrated network encompassing physical branches and digital platforms.
NBFC Performance Snapshot
Aditya Birla Capital’s NBFC business operates as a key growth engine and holds a AAA rating among India's diversified NBFCs. It offers comprehensive secured and unsecured lending solutions across retail, SME, and corporate segments, spanning personal and consumer loans, unsecured business loans, secured business loans, and corporate/mid-market loans.The company demonstrated robust financial performance in the preceding periods:
| Financial Metric | FY26 Performance | Q1 FY27 Performance |
|---|---|---|
| AUM (Assets Under Management) | Rs. 1,59,916 Crore (Up 27% YoY) | Rs. 1,67,456 Crore (Up 28% YoY) |
| Disbursements | Rs. 84,204 Crore (Up 25%) | Rs. 21,201 Crore (Up 34%) |
| Profit Before Tax (PBT) | Rs. 4,023 Crore (Up 20%) | Rs. 1,222 Crore (Up 32%) |
As of June 30, 2026, the consolidated lending book for Aditya Birla Capital stood at Rs. 2.19 Lakh Crore, and the business managed an aggregate assets under management (AUM) of about Rs. 7.53 Lakh Crore.
ABCAPITAL Stock Price Movement
Aditya Birla Capital surges in early trading, currently standing at ₹406.35, up 2.61% as of 10:13 AM today. The stock trades within a narrow intraday band, having touched lows of ₹398.85 while reaching a high of ₹406.8.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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