AU Small Finance Bank (AU SFB), India’s largest Small Finance Bank and the first in over a decade to receive inprinciple approval to transition into a Universal Bank, today announced the rollout of its exclusive Gold Loan branch network as part of a broader nationwide expansion in secured retail lending. The Bank is inaugurating its first two dedicated Gold Loan servicing branches in Jamnagar and Junagadh, Gujarat, marking the start of a phased expansion.
Nine additional exclusive branches will be launched across Telangana, Tamil Nadu, Karnataka and Maharashtra before March 31, 2026, significantly strengthening AU SFB’s reach in key secured lending markets. This national rollout underlines AU SFB’s commitment to building a highquality, riskfirst secured retail portfolio, supported by dedicated infrastructure, deeper regional presence, and a customercentric approach to product delivery.
Traditionally, exclusive gold loan branches have largely been the domain of specialised NBFCs. With this initiative, AU SFB becomes the progressive bank to introduce a branch-
led, gold loan–only format, aimed at delivering a faster, simpler, and more customer-
centric experience – backed by the strength, transparency, and governance of a regulated banking institution.
Speaking on the initiative, Uttam Tibrewal, ED & Deputy CEO, AU Small Finance Bank, said, “Gold loans are among the fastestgrowing secured credit products in India, and customers today expect a service experience that is fast, secure and trustworthy. With our exclusive Gold Loan branches, AU SFB is stepping into a space traditionally dominated by NBFCs, but with the differentiated value of bankgrade compliance, governance and customer protection. Starting with Jamnagar and Junagadh, we are expanding quickly across multiple states to make goldbacked credit more accessible for households, traders and small businesses.”
This initiative aligns with AU SFB’s strategic focus on secured retail asset lending across
Retail, Agri, and MSME segments. Gold loans play a critical role in providing quick access to credit while supporting asset quality and portfolio stability. The bank will continue to evaluate high-potential markets across Gujarat and other regions for the rollout of similar specialised formats.