Capital Trust Limited has expanded its AI-powered gold loan business from a pilot launched in October 2025 to a six-branch operation, supported by its proprietary A-Eye technology platform.
The company currently operates six dedicated gold loan branches in Aligarh and Delhi, disbursing around Rs 5–6 crore per month. Cumulative disbursements have crossed Rs 45 crore across more than 1,800 customers, while gold and secured loan AUM has reached around Rs 35 crore. Its first branch in Aligarh has disbursed over Rs 19 crore in 11 months and became profitable within four months of launch.
Capital Trust said A-Eye is designed to address the three key risks in gold lending — valuation, custody and cash. The AI system independently verifies gold valuation and tracks pledged gold packets throughout their lifecycle, while Head Office remotely controls approvals, disbursements and strong-room access.
Under the valuation process, each ornament undergoes two independent human assessments along with an A-Eye valuation, with discrepancies flagged before disbursement. For custody, A-Eye tracks packet sealing, storage, movement and release through time-stamped visual records, with daily reconciliation and real-time alerts for unusual access.
The company has also adopted a zero-cash, paperless branch model, with repayments and top-ups processed digitally through its app. Capital Trust aims to complete loan disbursement and gold release within around 20 minutes.
The technology platform connects branches, A-Eye, Head Office and the customer app, providing centralised control over the entire gold lending process. The same platform is also being used for the company’s two live gold loan co-lending partnerships.
Capital Trust said the gold loan business has received term loan sanctions from IDFC FIRST Bank and Shriram Finance.
Separately, on a provisional basis for Q2FY27, the company’s overall AUM stood at around Rs 300 crore, compared with Rs 239.6 crore in Q1FY27. Around 80% of the AUM was secured or carried zero credit risk, while gross NPA stood at approximately 2.5%, net NPA at 0%, and debt-to-tangible net worth remained below 1x. The figures are unaudited and subject to Board approval.