Responsible practices for a resilient sector.
Establishing the framework for self-regulation, ensuring customer protection, and fostering long-term trust in gold-backed credit.
Governance built on transparency and accountability.
Governance framework
- Tier 01Representation
General Body — member institutions
Gold loan NBFCsBanksFinancial institutions - Tier 02Direction
Board of Directors, including independent directors
Elected directorsIndependent directors - Tier 03Oversight
Standing committees
StandardsEnforcementGrievance redressalResearch - Tier 04Execution
Secretariat & working groups
Compliance officerGrievance officer
Gold-backed lending sits at the centre of India's credit access story.
01
Households
A significant share of household savings is held as gold.
02
Financial inclusion
Collateralised lending reaches borrowers underserved by unsecured credit assessment.
03
Credit access
Secured liquidity at a defined loan-to-value, within a common regulatory framework.
04
MSMEs
Working-capital continuity for small enterprises and self-employed livelihoods.
05
Economic activity
Consumption, production and enterprise investment across regional economies.
Be part of a stronger gold loan ecosystem.
Membership is a commitment to shared standards. Institutions engaged in lending against gold are invited to participate in the Forum's committees and research.