Investor Presentaiton
Gold Loan Business Update
Rapid Rollout In 8 States & UTS
Gold Loan business continued to scale-up rapidly after the
launch in Aug 22 through 108 branches across 5 states and
UTS.
The network expanded to 562 exclusive branches in
Q4FY23 from 182 in Q2FY23 and 449 in Q3FY23.
State-of-the-art and spacious branches with an average
area of 600-800 square feet. All branches secured by Al-
driven security systems, gold jewellery secured in vaults
with SRD doors.
Geographical Distribution (Value-Wise)*
4.84%
7.90%
29.47%
8.66%
14.42%
■Rajasthan
■ Haryana
MP
■Gujarat
Maharashtra
■New Delhi
Disbursals increased to Rs9,582mn in Q4FY23 from
Rs7,741mn in Q3FY23 and Rs1,489mn in Q2FY23 and
achieved a closing AUM of Rs 11,259mn in Q4FY23.
Average portfolio yield of 18.9%, LTV at disbursal 67.3%.
Assessed value of gold in custody Rs 15,978mn (based on
average spot rate for 22K gold).
17.70%
■UP
17.00%
*As at March 31, 2023
CAPRIGLOBAL
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