| NBFC Activity | Gold-backed loans, unsecured consumer loans, inter-corporate loans. | Strong gold loan expertise, partnership with Augmont, technology-enabled centralized system, and extensive branch network. | Retail gold loan customers, unsecured consumer borrowers, corporate clients; B2C and B2B focus. | Gold-backed loans with high security and controlled operational expenses. | 90 | 100 | Interest income from loans, fees from loan services. | Interest-bearing loans with RBI-compliant LTV; fees and commissions charged. | Growing gold loan demand, branch expansion, fintech-enabled origination, and risk-based pricing. | Arvog Gold Loan |
