Gold loan fintechs are moving beyond originating loans for others and increasingly building their own loan books, signaling a shift toward deeper balance-sheet control and steadier revenue. The update also arrives alongside Infosys’ Q4 profit jump, adding a positive tech-finance backdrop as ETtech Morning Dispatch spotlights what’s changing in India’s lending and IT sectors.
Gold loan fintech startups are changing gears after RBI tightened norms that disrupted their earlier loan-sourcing model. Firms like Indiagold and Oro are obtaining NBFC licenses and arranging debt funding to build direct lending loan books, while also weighing co-lending partnerships. The move aims to restore growth momentum as service-provider routes face tighter scrutiny.
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