Gold Loans

Strong growth in gold loan portfolios enabled public sector banks to exceed priority sector targets and earn higher fee income by selling surplus PSLCs in the June quarter

Shriram Finance is aiming to double gold loans' contribution in the overall loanbook to 5 per cent over the next three years, joining a slew of lenders ramping up focus in the more secure and high-value retail segment. The non-bank lender is also keen to increase the share of micro, small and medium enterprises in the overall loan portfolio over the medium term to 20 per cent, a top official has said. "Around 2.5 per cent of our loan book comes from the gold loan segment now. We want to grow it to 5 per cent in the next three years," its executive vice chairman Umesh Revankar told PTI recently. As of June 2026, the lender's overall gold loans outstanding had stood at Rs 7,514 crore, accounting for 2.39 per cent of the overall Rs 3.13 lakh crore book. Gold loans' share has been steadily increasing in recent times, and the first quarter of FY27 also saw a 46 per cent growth in portfolio when compared year-on-year and 13 per cent quarter-on-quarter. In March 2026, the gold loans ...

Tata Capital enters gold loan business with ₹318 crore Yogloans acquisition

Tata Capital will acquire an 88.6 per cent stake in Kerala-based Yogloans, marking its entry into the gold loan business and expanding its retail lending portfolio

L&T Finance reported a 31 per cent rise in Q1FY27 profit as strong retail loan growth, better asset quality and lower borrowing costs supported its performance

Commercial real estate loans grow over 40%, while gold loans grow 70% and consumer durable loans grow 42%

NBFCs accounted for over 98% of securitisation issuances in April-June 2026, with gold loans emerging as the largest asset class amid robust investor demand and healthy retail credit growth

RBI said gold loans have become the fastest-growing retail loan segment, with rising gold prices driving disbursements while improving lenders' collateral buffers

Strong risk-management practices, conservative lending ratios and timely auctions help lenders recover principal even under stressed gold-price scenarios, the agency says

Gold loans in India are increasingly used for short-term funding as tenures shrink, ticket sizes rise, and asset quality improves across lenders

Gold kept by customers as security against loans allegedly went missing from a Bank of India branch locker in Uttar Pradesh's Firozabad district, police said on Thursday. A total of 96 packets containing pledged gold were found missing from the locker of the bank's Bharaul branch, officials said. The bank's Agra regional office chief manager Aditya Pratap Singh lodged an FIR at the Araon police station on Wednesday night against three employees, including the then branch manager. Superintendent of Police Aditya Langhe said the complaint stated that bank staff member and key custodian Dilip Kumar, a resident of Basgaon village in Etawah district, had been absent without information since May 27, due to which locker-related work had stopped. When the bank failed to contact him, suspicion arose and the matter was reported to the regional office in Agra. Following this, senior security manager Ankit and senior manager (security) of the Ghiror branch, Sushil Kumar, were sent to the Bhar

Consumer durable financing has emerged as the primary gateway to formal credit as lenders increasingly favour borrowers with established repayment records

Retail loans rose 16.6 per cent to Rs 170.2 trillion in FY26, with gold loans emerging as the fastest-growing segment amid rising bullion prices and regulatory easing

From rising oil-linked risks and services data gaps to gold loan expansion and global capital flows, here are the key insights from Business Standard's Opinion page

The portfolio can glitter only if backed by prudence

Piramal Finance expects strong growth in AUM and profits by FY27, while planning stake sales in non-core businesses and expanding its rural lending and branch network

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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

Backed by International Holding Company, Samman Capital aims to transform into a diversified NBFC and enter India's top three by AUM by FY29

Maintain a liquidity buffer in case you get a margin call due to falling gold prices