Aditya Birla Capital Enters Gold Loan Business; Company Plans 1,000 Branches in Three Years, Check Details

On Thursday, Indian equity benchmark indices traded higher, with the Nifty 50 rising 119.70 points, or 0.50 per cent, to 24,198.00. Amid the market movement, Aditya Birla Capital shares were trading at Rs 404.80, up Rs 8.80 or 2.22 per cent. The share price movement came after the company announced its entry into the gold loan business, marking an expansion of its secured lending portfolio.

1,000 Gold Loan Branches Planned

Aditya Birla Capital's NBFC business plans a phase-wise rollout of 200 to 300 dedicated gold loan branches by March 2027 across high-potential markets. Over the next three years, the company aims to establish around 1,000 gold loan branches across India.

The gold loan offering will complement the company's existing retail and MSME lending franchise, providing customers with a collateral-backed credit solution. The offering will combine dedicated branch-led services with digital capabilities, including transparent pricing, secure handling of pledged gold and faster loan disbursals.

Management Commentary

Rakesh Singh, Executive Director and CEO - NBFC, Aditya Birla Capital Limited, said: “Gold loans are witnessing strong structural growth in India, and our entry into this segment is a natural extension of our secured lending strategy. In a category where trust is paramount, customers seek transparency, secure handling of their gold, and the confidence that their valuable assets are in safe and trusted hands. Backed by Aditya Birla Group’s generational legacy of trust, integrity, and responsible stewardship, we are well positioned to serve these customer needs.

We are building our Gold Loan business from the ground up, shaped by these principles, and a strong focus on governance, prudent risk management, operational excellence, and a customer-first approach. As we expand our presence across India, we will leverage our extensive distribution network and digital capabilities to deliver a superior customer experience. We believe our combination of a trusted legacy and a thoughtfully built business will further strengthen Aditya Birla Capital’s position as a lender of choice in one of India’s fastest growing retail credit segments.”

NBFC Business Continues to Grow

Aditya Birla Capital's NBFC business is among the top five AAA-rated diversified NBFCs in India. It provides secured and unsecured lending solutions across retail, SME and corporate segments.

In FY26, the NBFC's assets under management increased 27 per cent YoY to Rs 1,59,916 crore, while disbursements grew 25 per cent to Rs 84,204 crore. Profit before Tax increased 20 per cent to Rs 4,023 crore. The growth continued in Q1 FY27, with AUM rising 28 per cent YoY to Rs 1,67,456 crore, disbursements increasing 34 per cent to Rs 21,201 crore, and profit before tax growing 32 per cent to Rs 1,222 crore.
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About Aditya Birla Capital

Aditya Birla Capital is a listed systemically important, Upper Layer Non-Deposit Taking NBFC and the holding company for the group's financial services businesses. Its businesses span loans, investments, insurance and payments, with a nationwide network of more than 1,759 branches and over 200,000 agents and channel partners.

As of June 30, 2026, the company and its subsidiaries and joint ventures managed aggregate assets under management of approximately Rs 7.53 lakh crore, while its consolidated lending book crossed Rs 2.19 lakh crore.

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Disclaimer: The article is for informational purposes only and not investment advice.