EXCLUSIVE: Gold Prices, Gold Loans & Growth | Raju Dodti On L&T Finance’s Next Big Opportunity

Gold prices have seen sharp volatility, raising questions about the impact of a potential correction on gold loan growth. Raju Dodti, Whole-time Director & COO, L&T Finance, says business strategy should not depend on gold prices, which are influenced by geopolitical and economic factors. Instead, L&T Finance is focusing on the formalisation of credit, with a large portion of household gold still outside the formal lending system. Dodti also highlights the company’s large existing customer base as an opportunity for cross-selling gold loans. He says formal credit adoption and deeper customer relationships will remain key growth drivers for L&T Finance.