Business Case Studies & Business Publications

Rupeek Fintech: Monitizing Gold, the Sma...

Sahay, Arvind, Jos...

Case

Rupeek Fintech: Monitizing Gold, the Smart Way

Sahay, Arvind; Joshi, Varuna M.; Chainani, Renisha; Nambiath, Sudeesh

IIMA-MAR0522 | Published August 2, 2022 | 30 pages Case

Collection: Indian Institute of Management, Ahmedabad

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Learning Objectives

The case highlights the journey of a digital gold loan start-up which offers low interest rates, doorstep service, speedy documentation, locker and quick gold withdrawal features to customers looking for a gold loan. This enables the customers to eliminate the fear of social stigma associated with gold loans and complete the formalities from the comfort of their home. The case also talks about the nature of the organized and unorganized gold loan markets. It stresses the relevance of a secure, guaranteed and affordable gold loan structure in a market where interest rates are skyrocketing and customers can easily wind up with unsustainable levels of debt, especially in unorganised gold loan markets.

To familiarise readers with the gold loan industry in India. To identify key gold loan customer segments and to analyse the needs of these segments in sync with changing cultural and environmental factors. To study Rupeek Fintech Pvt. Ltd with particular focus on its online gold loan business model and key competitors in the organised domestic gold loan space. To analyse Rupeek Fintech's sales and distribution model and to examine its scalability