Gold Loan

Shares of IIFL Finance tank 13% after I-T dept orders special audit

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

AUM of gold-loan NBFCs to cross ₹4 trillion by end-FY27: Crisil Ratings

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 SFB enters gold loan segment to scale secured lending portfolio

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

Bajaj Finance to Muthoot Finance: NBFCs outpace banks once again

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 widens gold metal loan access for more jewellers under 2026 norms

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

Muthoot Finance revises FY26 gold loan growth projection upward

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 loan or gold overdraft? Know the smarter way to borrow against gold

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

Common mistakes to avoid while submitting gold loan documents

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RBI eases small business loan rules, expands lending scope against gold

With the revised rules, lenders can now extend working capital loans to any business that relies on gold as a raw material, expanding credit access beyond the jewellery sector

Muthoot Finance shines in Q1FY26 with strong AUM, margin, gold loan growth

Muthoot Finance reported strong Q1FY26 results with 42% YoY AUM growth, improved asset quality, higher yields and strong recoveries as gold loans drove profitability

Muthoot Finance to inject ₹200 crore into home loan arm for growth

Muthoot Finance plans to invest Rs 200 crore in its housing finance subsidiary, Muthoot Homefin, for growth, as the home loan arm's assets under management rise 41% in Q1 FY26

Loans against gold, silver pledge up to limit not norm violation: RBI

RBI clarifies that loans sanctioned by banks against voluntary pledges of gold and silver, up to the collateral-free limit, do not violate the central bank's guidelines on collateral

RBI's new rule on gold-backed loan will lead to biz model adjustment: S&P

The RBI's new rules on lending against gold will lead to business model adjustment, and operational agility, service excellence will remain the key differentiator between lenders, S&P Global Ratings said on Thursday. Earlier this month, the RBI raised the loan-to-value (LTV) ratio for lending against gold to 85 per cent for borrowings under Rs 2.5 lakh from the present 75 per cent. The LTV ratio has been fixed at 80 per cent for loan amounts between Rs 2.5-5 lakh and 75 per cent for loans above Rs 5 lakh. Lenders have time until April 1, 2026, to prepare for the changes. In its report titled 'India's new rules on gold-backed loans may reshape the competitive landscape', S&P said the Reserve Bank of India's new rules on gold-backed loans will likely lead to business model adjustments in the country's booming lending niche. "In our view, operational agility and service excellence will remain the key differentiator between lenders," S&P said. S&P Global Ratings credit ...

RBI's breather on gold loans to spur growth in NBFCs: Crisil Ratings

RBI's revised gold loan norms to benefit NBFCs by raising LTV ceilings, providing better cushions for bullet loans and expanding lending headroom

BoM, BoB reduce lending rates following RBI's recent policy action

Bank of Maharashtra cuts retail loan rates by up to 50 bps; Bank of Baroda trims MCLR on select tenors with effect from 12 June as banks align with RBI move

Gold loans: Quick disbursal, low rates, flexible repayment options

Easy access should not lead to overleveraging; beware that deferred repayment can increase interest burden

Draft gold loan norms: FinMin seeks exemption for small-ticket borrowers

DFS suggests exemption for borrowers under ₹2 lakh from RBI's proposed gold loan norms, with implementation timeline set for January 2026

FinMin suggests RBI to give relief for borrowers under ₹2 lakh gold loan

In April, the RBI released draft norms mandating, among other requirements, that borrowers furnish proof of ownership for the gold used as collateral

Banks' gold loan growth more than doubles in April on price surge

Gold loan growth rises 119.6% YoY to Rs 2.23 trillion in April 2025; RBI data shows slowdown in retail and NBFC credit growth despite robust rise in gold-backed lending

Finance ministry seeks relaxation in RBI's new gold loan proposals

In April this year, the RBI had proposed tighter rules for monitoring and disbursement of gold loans, often used by low-income borrowers