Capital Trust's Gold Loan Business Leverages AI for Risk Control

Capital Trust Limited has launched a business update on its AI-powered gold loan operations, highlighting the integration of its 'A-Eye' system to manage valuation, custody, and cash risks. The initiative, which began in October 2025 with two branches, now operates six branches, disbursing ₹5-6 Cr monthly. Cumulative disbursements have surpassed ₹45 Cr to over 1,800 customers, with gold and secured loan AUM at ₹35 Cr. The Aligarh branch achieved profitability within four months. The A-Eye system provides independent checks on gold valuation and security, while a zero-cash model and remote Head Office controls further mitigate risks. The platform aims for 20-minute disbursal and release times.