New Launch3 Oct 2025, 04:00 pm
Capital Trust Limited Enters Gold Loan Business, Opens First Branch in Aligarh, Uttar Pradesh
AI Summary
Capital Trust Limited, a listed Non-Banking Financial Company (NBFC) with a 40-year track record in financial inclusion and MSME lending, has announced the launch of its Gold Loan business with the opening of its first dedicated branch in Aligarh, Uttar Pradesh. The branch has already completed its first disbursement, marking the formal entry of CTL into secured lending. Capital Trust will diversify into secured gold loans, focusing on urban and semi-urban markets where demand for quick, transparent, and reliable credit continues to grow.
Key Highlights
- Adopted RBI’s Gold Loan Directions, 2025 from inception.
- Up to 85% LTV on small-ticket loans up to 22.5L (vs. 75% market norm).
- 20-minute disbursement and release with instant digital + physical pledge and E-Certificates.
- App-based platform with one-click top-ups within LTV limits.
- 24x7 surveillance, dual staff valuation, and strong-room monitoring.