Capital Trust Enters Gold Loan Market with New Branches
Filing Summary
Capital Trust Limited, a non-banking financial company, has announced its entry into the gold loan market as a new-age challenger. The company has established a branch network of over 250 locations and has opened its fourth gold loan branch, including a second branch in Gurgaon. Capital Trust is implementing a technology-driven, compliance-first approach in line with RBI guidelines. The company is also exploring co-lending opportunities with banks and financial institutions to expand its portfolio while maintaining risk management and capital efficiency.
On April 4, 2026, Capital Trust Limited announced its strategic entry into the gold loan market. The company, a listed non-banking financial company (NBFC), has a long-standing presence in MSME lending with a branch network exceeding 250 locations.
Capital Trust has opened its fourth gold loan branch, including a second branch in Gurgaon. The company plans to expand operations across Delhi NCR before moving into other markets. The branches operate on a fully app-based, paperless model with centralized monitoring from the Head Office. This approach aligns with the latest RBI guidelines, allowing the company to build its operations from the ground up with a focus on compliance and technology.
Capital Trust has invested in modern branch infrastructure, technology, and security systems, deploying an advanced eight-layer security architecture across its gold loan branches. This modern branch format is designed to enhance customer experience, safety, operational efficiency, and risk control.
The company is actively exploring co-lending and partnership opportunities with banks and financial institutions to accelerate portfolio growth. It already has a live co-lending partnership with an NBFC. This strategy aims to maintain prudent risk management and capital efficiency while expanding its portfolio.
Capital Trust Limited is leveraging its four decades of experience in financial services to build a presence in the gold loan industry. The company focuses on a strong governance framework, technology-driven processes, and long-standing customer relationships to create a scalable and meaningful presence in this sector.