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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Gold loan industry analysis: quarterly results of Manappuram, Muthoot and IIFL, RBI gold collateral directions, and gold lending market 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 thre…
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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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IIFL Finance FY26 Q4 Snapshot
Analysis of IIFL Finance's FY26 Q4 results including gold loan AUM, standalone PAT recovery, ROA, ROE, Stage III loans, and overall outlook.
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Manappuram Finance FY26 Q4 Snapshot
Analysis of Manappuram Finance's FY26 Q4 results including gold loan AUM, gold tonnage, standalone PAT, net yield, cost of borrowing, ROA, ROE, LTV, per branch …
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Muthoot Finance – FY26 Q4 Snapshot | Technovative
Muthoot Finance FY26 Q4 results: Gold Loan AUM ₹1,54,084 Cr, PAT ₹10,134 Cr, ROE 30.63%
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IIFL Finance Q3 FY26 Results
Analysis of IIFL Finance's Q3 FY26 results including gold loan AUM, gold tonnage, standalone PAT, net yield, cost of borrowing, ROA, ROE, LTV, per branch AUM, a…
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Manappuram Finance Q3 FY26 Results
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 …
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Muthoot Finance Q3 FY26 Results
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…
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IIFL Finance Q2FY26 Results
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 s…
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Muthoot Finance Q2FY26 Results
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,…
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Manappuram Finance Q2FY26 Results
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 A…
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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 …
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