Aditya Birla Capital Enters Gold Loan Market With 1,000 New Branches to Take On Muthoot & Manappuram!

In a major disruption in India's retail lending market, financial services giant Aditya Birla Capital has officially entered the gold loan business to expand its secured lending portfolio. Under this aggressive expansion plan, the company will roll out 200 to 300 dedicated gold loan branches by March 2027, before scaling up to a massive pan-India network of around 1,000 dedicated branches within three years. By blending physical branch-level jewellery appraisal and secure locker storage with quick digital disbursals, the corporate heavyweight is directly entering the turf dominated by traditional gold loan specialists like Muthoot Finance and Manappuram Finance.

This mega foray comes at a time when loans against household gold jewellery are exploding across the country, surging nearly 70% year-on-year to touch over ₹3.4 lakh crore as rising gold prices allow borrowers to unlock higher cash values. With stress rising in unsecured personal loans, top financial institutions are aggressively pivoting toward secured credit. Aditya Birla Capital now joins other corporate giants like Tata Capital and Godrej Capital in launching dedicated gold lending units, targeting urban, semi-urban, and small-town borrowers looking for fast liquidity.