A-Eye powered gold loan business moves from pilot to platform; six branches live, ₹5–6 Cr monthly run-rate
Capital Trust's gold loan business has moved from pilot to platform: 6 branches live, ₹5–6 Cr monthly disbursements, ₹45 Cr+ cumulative, ₹35 Cr AUM, 1,800+ customers.
- Branches Live
- 6
- Monthly Disbursements
- ₹5–6 Cr
- Cumulative Disbursements
- ₹45 Cr+
- Q2FY27 Provisional AUM
- ~₹300 Cr
- Gross NPA / Net NPA
- ~2.5% / 0.0%
The company released a business update presentation titled "Gold-Tech: Built Right, Scaling Now" along with a press release, covering its gold loan business and the technology behind it. The update describes a move from pilot to platform: launched in October 2025 from branches in Aligarh and Delhi, the business now runs six dedicated gold loan branches, disbursing ₹5–6 Cr a month.
Where the business stands
- Cumulative disbursements of over ₹45 Cr
- 1,800+ customers served
- Gold and secured loan AUM of ₹35 Cr
- The first branch, Aligarh, has disbursed over ₹19 Cr
- A first gold co-lending agreement with an NBFC, signed in January 2026, of ₹25 Cr
What A-Eye is built to do
A-Eye is the company's AI system, described as an independent check that looks at every valuation and every sealed packet. The update frames the controls around the risks gold lending carries:
- Valuation: each ornament is assayed in front of the customer, on camera, with human testers working as maker and checker on separate calibrated machines, plus an independent A-Eye reading of karat, weight and value. Any variance is flagged before disbursal; the Branch Manager confirms the final value and Head Office reviews the data, approves and disburses.
- Custody: packets are sealed in front of the customer, A-Eye verifies the packet number and placement before storage, a time-stamped visual record covers the strong room and safe, and packets are reconciled daily.
- Cash: the gold branches have no cash counter, and repayments are collected through the company's app.
Funding and provisional snapshot
The gold loan business has received term loan sanctions from IDFC FIRST Bank and Shriram Finance.
- AUM of about ₹300 Cr in the provisional Q2FY27 snapshot, up from ₹239.6 Cr in Q1FY27
- About 80% of AUM is secured or carries zero credit risk
- Gross NPA of about 2.5% and Net NPA of 0.0%
The Q2FY27 figures are provisional and unaudited, subject to Board approval and limited review.
Takeaway
The update is an update on how the gold loan vertical is being scaled and on the controls built into it, along with provisional operating numbers for that business. The company describes the branch playbook as replicable, with each new branch going live on the same technology.
More numbers
- Dedicated gold loan branches live6
- Monthly disbursement run-rate₹5–6 Cr
- Cumulative disbursement₹45 Cr+
- Gold + secured loan AUM₹35 Cr
- Customers served1,800+
- Disbursed by first branch, Aligarh₹19 Cr+
- First gold co-lending agreement with an NBFC₹25 Cr
- Q2FY27 provisional AUM~₹300 Cr
- Q1FY27 AUM₹239.6 Cr
- Secured or zero credit-risk AUM~80%
- Gross NPA~2.5%
- Net NPA0.0%
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