Structurally I have problem to envision for this to happen
Coz gold loans are not commodities, so it’s not like to like comparison
The major difference is in loan realisation amount the customer gets no matter how convenience on the delivery, banks ain’t gonna increase percentage of loan amount per gram meaningfully as long as this doesn’t change so does the consumer preferences.
Convience can’t disrupt here, due to the stringent regulatory measure, such highly regulated instruments like gold loan, until this gets relaxed.
If you ask me, I would say its safer for player like Manapuram, muthoot to enter after the banks enroll in this platform
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