Capital Trust Limited has announced its entry into the gold loan segment, positioning itself as a new-age challenger in the evolving secured lending market.
With a long-standing presence in MSME lending and a network of over 250 branches, the company is leveraging its experience to build a technology-driven and compliance-focused gold loan business aligned with the latest regulatory guidelines.
The company has developed its gold loan operations from the ground up, adopting a modern framework supported by advanced infrastructure and regulatory alignment.
Yogen Khosla, Chairman and Managing Director, Capital Trust Limited, stated that the move into secured lending is aimed at building a more resilient, capital-efficient model while strengthening asset quality and long-term growth.
Capital Trust has implemented an eight-layer security architecture across its gold loan branches, which operate on a fully app-based and paperless model with centralised monitoring. This approach is designed to enhance customer experience, operational efficiency, and risk control compared to traditional formats.
As part of its expansion strategy, the company has opened its fourth gold loan branch, including its second in Gurgaon, and plans to scale across Delhi NCR before expanding to other markets.
In addition to utilising its own balance sheet, the company has initiated a co-lending partnership with another NBFC and is exploring further collaborations with banks and financial institutions to accelerate growth while maintaining prudent risk management.
With over four decades of experience in financial services, Capital Trust aims to leverage its governance framework, technology capabilities, and customer base to build a scalable presence in the gold loan market.
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