How to Start a Gold Loan NBFC in India
RBI registration, minimum Net Owned Fund, Scale-Based Regulation, and the first 90 days after getting a gold loan NBFC licensed.
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Stay updated with our latest insights on finance, fintech, banking, and technology trends.
Vintage Analysis for Gold Loans
How to build and read cohort vintage curves to catch gold loan underwriting drift early, before it hits company-wide metrics.
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Designing a Training Academy for NBFCs
The curriculum backbone, certification levels, and delivery models for a gold loan NBFC training academy - and how to measure its ROI.
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Gold Loan Branch KPIs Every CEO Should Track
The branch-level KPI dashboard gold loan CEOs need: AUM per branch, LTV distribution, gold audit shortage, cost of borrowing, and incentive payout ratio - with red-flag thresholds.
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Choosing Cities for Gold Loan Expansion
A data-driven framework for picking cities and towns for gold loan branch expansion, with a simple weighted city scoring model.
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Internal Controls Every Gold Loan NBFC Needs
The internal control framework gold loan NBFCs need: dual vault custody, CCTV-backed appraisal, maker-checker disbursement, surprise audits, and auction governance.
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Branch Productivity Metrics for Gold Loans
AUM per employee, disbursements per appraiser, footfall conversion, and TAT - the operational metrics that drive branch efficiency.
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How to Set Up a Gold Loan Branch in 30 Days
A day-by-day 30-day playbook for launching a gold loan branch: site and vault fit-out, staffing and licensing, SOP and systems setup, and a soft-launch sequence.
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Gold Loan SOP Checklist for New NBFCs
A launch-ready SOP checklist for NBFCs entering gold lending: credit policy, vault setup, assaying, valuation, documentation, disbursement, and auction governance.
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Gold Purity Testing: Acid Test vs XRF vs Touchstone
A branch-level comparison of touchstone and acid test, XRF spectrometry, and fire assay - accuracy, cost, and how to build a two-method purity testing SOP.
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Hiring Gold Loan Branch Managers: Interview Guide
A structured interview guide for gold loan branch managers: the core competency profile, scenario questions, red flags, and background checks.
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M&A Opportunities in Small Gold Loan NBFCs
Inside Tata Capital's Yogloans acquisition and Godrej Capital's Kanakadurga Finance deal - what makes a small gold loan NBFC an attractive M&A target.
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Branch Vault Security Best Practices
A practical vault security framework for gold loan branches: construction standards, dual custody, CCTV retention, cash-and-gold segregation, and RBI expectations.
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How to Scale from ₹100 Cr to ₹500 Cr AUM
A phased roadmap for gold loan NBFCs scaling AUM 5x: the four growth levers, the organizational rebuild it requires, and what breaks first.
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Incentive Plans That Actually Work in Gold Loans
A weighted incentive basket, role-specific structures, and the governance gates that stop volume-only incentives from rewarding bad behavior.
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Gold Loan Branch Economics
The unit economics of a gold loan branch: setup capex, monthly opex, breakeven AUM, and contribution margin.
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Muthoot Finance FY26 Q4 Snapshot
Muthoot delivered strong growth in FY26 with Gold Loan AUM ₹1,54,084 Cr (↑50% YoY), Standalone PAT ₹10,134 Cr (↑95% YoY), ROE 30.63% and ROA 7.55%.
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IIFL Finance FY26 Q4 Snapshot
IIFL delivered a sharp recovery in FY26: Gold Loan AUM ₹52,581 Cr (↑150% YoY), Standalone PAT ₹1,154 Cr from a loss of ₹410 Cr, ROE 16.7%, and AUM now growing at 21% QoQ.
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Manappuram Finance FY26 Q4 Snapshot
Manappuram delivered strong AUM growth (₹48,814 Cr, ↑98% YoY) but profitability and ROE (11.5%) remain under pressure, putting it below pure gold peers.
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Muthoot Finance Q3 FY26 Results - Muthoot Finance - Q3 FY26
Analysis of Muthoot Finance's Q3 FY26 results including gold loan AUM, gold tonnage, standalone PAT, net yield, cost of borrowing, ROA, ROE, LTV, per branch AUM, CRAR, leverage, and overall outlook.
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Manappuram Finance Q3 FY26 Results - Manappuram Finance - Q3 FY26
Analysis of Manappuram Finance's Q3 FY26 results including gold loan AUM, gold tonnage, standalone PAT, net yield, cost of borrowing, ROA, ROE, LTV, per branch AUM, CRAR, leverage, and overall outlook.
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CSB Bank Q2FY26 Results - CSB Bank – Q2 FY26 Snapshot (Gold Loans & Key Ratios)
Analysis of CSB Bank's Q2FY26 results including gold loan AUM, gold tonnage, gold loan yield, gold loan GNPA, ROA, ROE, CRAR, and overall outlook.
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Federal Bank Q2FY26 Results - Federal Bank – Q2 FY26 Snapshot (Gold Loans & Key Ratios)
Analysis of Federal Bank's Q2FY26 results including gold loan AUM, gold loan yield, gold loan LTV, gold tonnage, ROA, ROE, CRAR, and overall outlook.
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IIFL Finance Q2FY26 Results - IIFL Finance – Q2 FY26 Snapshot
Analysis of IIFL Finance's Q2FY26 results including gold loan AUM, standalone PAT, net yield, cost of borrowing, ROA, ROE, LTV, per branch AUM, average ticket size, CRAR, leverage, and overall outlook.
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Muthoot Finance Q2FY26 Results - Muthoot Finance – Q2 FY26 Snapshot
Analysis of Muthoot Finance's Q2FY26 results including gold loan AUM, gold tonnage, standalone PAT, net yield, cost of borrowing, ROA, ROE, LTV, per branch AUM, average ticket size, CRAR, leverage, and overall outlook.
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Manappuram Finance Q2FY26 Results - Manappuram Finance – Q2 FY26 Snapshot
Analysis of Manappuram Finance's Q2FY26 results including gold loan AUM, gold tonnage, standalone PAT, net yield, cost of borrowing, ROA, ROE, LTV, per branch AUM, average ticket size, CRAR, leverage, and overall outlook.
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Summary of Reserve Bank of India (Lending Against Gold and Silver Collateral) Directions, 2025
The Reserve Bank of India, on 6-Jun-2025 came out with the Reserve Bank of India (Lending Against Gold and Silver Collateral) Directions, 2025. Summarizing the changes in the directions for various Regulated Entities (REs).
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Selecting an Effective Loan Origination System: Key Considerations
When it comes to choosing the right loan origination system (LOS), several crucial factors should guide your decision-making process. The LOS you select will significantly impact your lending operations, so it's essential to make a well-informed choice.
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Embedded Finance: The Future of Banking and Beyond
In recent years, the financial industry has been undergoing significant changes. With the rise of technology and the proliferation of digital channels, traditional banks are facing stiff competition from fintech start-ups and digital platforms.
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The Future of Digital Currencies in the Payment System and the Role of Banks
As digital currencies continue to grow in popularity and embed themselves in the payment system, many wonder what role banks will play in this rapidly evolving landscape.
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Co-Lending: The Future of Fintech Lenders
Banks have had a shift in their Fintech strategy from being "not interested" to being "interested" and more recently to "Fintech is hot".
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The Rs. 6,50,000 Cr stimulus that India could have used during the Pandemic
Here's an opinion piece on How come the impressive growth of gold loans during the pandemic still falls short of the potential support they could have given to the masses and what can we do to access the full potential of gold loans.
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MAB - The archaic Banking construct that must go...
One of the mid-sized Indian Banks with a focus on increasing retail deposits charged me yesterday, for not maintaining the Minimum Account Balance (MAB) in my savings account.
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Book Review - Atomic Habits
Atomic Habits by James clear is one of those books that provide a clear execution framework to a vague but useful theory.
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Book Review - Deep Work
This short read by Cal Newport makes a very strong albeit a pretty common-sensical case about why blocking explicit time for in-depth work is very important in today's stimulus driven world.
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Book Review - Radical Candor
This is a short read highlighting how to inculcate and build a culture of ruthless direct feedback as well as care and empathy within your organisation.
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Dispelling the Myths of Cloud Adoption in Financial Services
The adoption of cloud technology has been on the rise in recent years, but many financial institutions are still hesitant to make the move.
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Seamless Digital Banking Experience: The Key to Meeting Consumer Expectations
As technology continues to evolve, consumers are increasingly expecting a seamless digital banking experience.
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