Gold Loan

Manappuram Finance is moving from promoter-led management to a professional leadership model as Bain Capital deepens its stake in the gold loan-focused NBFC

Compare total cost and maintain a buffer to reduce auction risk

Organised gold loans by banks and NBFCs are expected to cross Rs 30 trillion by March 2028, while lenders adjust to revised RBI repayment and LTV norms

Divya S of Capri Global said that a weak monsoon often increases gold loan demand, as rural households monetise jewellery to finance the next crop cycle or bridge working capital gaps.

Life Insurance Corporation of India (LIC) and foreign portfolio investors (FPIs) collectively hold a 25 per cent stake in Rajesh Exports, data shows.

Muthoot Finance's total income increased by 65.1 per cent year-on-year to ₹9,291.36 crore, compared to ₹5,627.37 crore in the year-ago period

Rapid expansion has made gold loans the second-largest retail credit segment, but rising borrower leverage and repeat borrowing patterns are prompting calls for tighter regulatory oversight

Lenders must engage with customers on credit usage, as they did during the pandemic: Bhavesh Jain

Gold loans drive retail credit growth, with bank lending against jewellery doubling year-on-year in February, sharply outpacing overall retail loan expansion

Crisil Ratings expects gold-loan NBFCs to maintain strong profitability as rising demand, better operating leverage and benign credit costs support returns over the next two fiscals

Banks are shifting from unsecured loans to gold-backed lending amid rising gold prices, but RBI says low LTVs and limited exposure pose no systemic risk

Manapuuram Finance's consolidated asset under management (AUM) grew 18.1 per cent to ₹522 billon in Q3FY26 against ₹442 billion in the year-ago quarter

Q3 net up 157% to Rs 501 crore; gold loans surge 189% YoY

Crisil Ratings projects gold-loan NBFC AUM to cross ₹4 trillion by FY27, driven by high gold prices, a shift to secured credit and easing LTV norms

Suryoday Small Finance Bank has entered the gold loan segment, starting with Maharashtra

Retail NBFCs like Bajaj Finance, Muthoot and Shriram Finance are expanding faster than banks, led by strong demand in gold loans, vehicles and housing finance, analysts say

RBI's new gold metal loan rules allow banks to lend to a wider set of jewellers, refine GMS-linked lending and enforce stronger risk controls, with the norms effective April 2026

In Q2FY26, Muthoot Finance's consolidated loan AUM increased by 42 percent from last year to Rs 1.47 trillion, while its gold Loan AUM increased by 45 percent from the year-ago quarter to Rs 1.24 trn

Gold loans offer structure, overdrafts offer flexibility. Here's how to pick the smarter way to borrow against your gold.

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