Aditya Birla Capital has announced its entry into the gold loan business, marking a strategic expansion of its secured lending portfolio. The company plans to establish a network of 1,000 dedicated gold loan branches over the next three years, starting with a phase-wise rollout of 200-300 branches by March 2027 across high-potential markets.

Expansion into gold loans

The new offering is designed to complement Aditya Birla Capital's existing retail and MSME lending franchise. The company aims to provide customers with a transparent, flexible, and collateral-backed credit solution. The rollout will leverage an integrated distribution network combining physical branches and digital platforms to serve urban and semi-urban markets.

Mr. Rakesh Singh, Executive Director and CEO - NBFC, Aditya Birla Capital Limited, stated that gold loans are witnessing strong structural growth in India. He emphasized that the entry is a natural extension of their secured lending strategy, focusing on trust, transparency, and secure handling of pledged gold.

NBFC performance context

The gold loan launch coincides with robust growth in Aditya Birla Capital's NBFC business. In FY26, the NBFC assets under management (AUM) grew 27% YoY to ₹1,59,916 crore, with retail and SME comprising approximately 68% of the total. Disbursements increased 25% to ₹84,204 crore, and profit before tax rose 20% to ₹4,023 crore.

Momentum continued in Q1FY27, with AUM rising 28% YoY to ₹1,67,456 crore. Disbursements surged 34% to ₹21,201 crore for the quarter, while profit before tax grew 32% to ₹1,222 crore. The NBFC business remains one of India's top five AAA-rated diversified non-banking financial companies.

What the Numbers Show

The rapid expansion of the NBFC book provides a strong foundation for the new gold loan vertical. With retail and SME lending constituting nearly two-thirds of the AUM, the addition of secured gold loans aligns with the company's focus on collateral-backed products. The 34% growth in disbursements in Q1FY27 suggests strong demand for credit, which the new branch network aims to capture further.

Aditya Birla Capital participated in an institutional investor meeting in Singapore on August 17, 2026. The event was part of the Ambit-Daiwa India Access series and was conducted in a physical format. The company engaged with 17 global institutional investors during the session.

The disclosure was issued in continuation of an advance intimation dated August 12, 2026, pursuant to Regulation 30(6) read with Regulation 46(2)(o) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. The company confirmed that no unpublished price-sensitive information was shared during the meetings.

Investor Participants

The company met with the following institutional investors during the Ambit-Daiwa India Access event:

• Allianz Global Investors
• Wellington Management
• Manulife Asset Management
• GIC Asset Management
• Fullerton Fund Management
• Goldman Sachs Asset Management
• Balyasny Asset Management
• Citadel Asia
• Eastspring Investments
• MFS International
• Putnam Investment
• Redwheel
• Alliance Bernstein
• Aurigin Capital
• Kotak Offshore
• Millennium Capital
• Schonfeld Strategic Advisors

Meeting Details

Santosh Haldankar, Company Secretary & Compliance Officer, signed the disclosure. The notice was circulated to the Luxembourg Stock Exchange, Citi Bank N.A., and Banque Internationale à Luxembourg SA. The presentation discussed during the meetings is available on the company’s website.