Gold Loan

NBFC gold loans rise 66% to ₹3.74 trillion as retail lending picks up pace

Outstanding gold loans at NBFCs rose 66.1 per cent year-on-year in September, outpacing other retail segments, while concerns emerged over lending to borrowers with overdue loans

Gold loan delinquencies doubled in five months amid sharp portfolio growth

Borrowers with multiple gold loans, smaller tickets and a history of missed payments are more vulnerable, says MD & CEO Bhavesh Jain

When gold loses its glitter

The regulatory framework effective April 2026 has created the foundation for mitigating risks in gold loans but more needs to be done

Leading NBFCs flag early signs of repayment stress in gold loan segment

Bajaj Finance and Piramal Finance flag early signs of stress in gold loans as rapid lending growth raises concerns over repayment delays, borrower leverage and defaults

Bajaj Finance, Piramal Finance flag early signs of stress in gold loans

Indian banks ​and non-bank lenders have rushed to lend to consumers against their ​gold holdings as they consider these loans more secure

Securitisation volume hits record ₹1.47 trillion in H1 FY27: ICRA

Gold loan securitisation and a recovery in vehicle loan transactions drove a 42 per cent rise in volumes, with ICRA projecting a record Rs 2.6-2.7 trillion for FY27

Gold loans surge at NBFCs in July as banks see moderation in growth

NBFC credit against gold jewellery grew 68.5 per cent year-on-year in July, while growth at banks moderated to 88.1 per cent from 136.4 per cent a year earlier

Gold loan book seen crossing ₹30 tn by FY28; MOFSL lists top 6 picks

MOFSL noted that public sector banks continue to command the highest market share in gold loans at 60 per cent as of March 2026.

Gold loan market gets crowded: Will new entrants dull incumbents' sheen?

Gold loans stood at around ₹18.6 trillion, or nearly 11 per cent of retail credit, after growing at a 34 per cent CAGR between FY21 and FY26.

Aditya Birla Capital share price jumps 3.5% on foray into gold loan biz

Aditya Birla Capital joins other NBFCs like Tata Capital and Godrej Capital, which also announced plans to enter the gold loan business.

Aditya Birla Capital enters gold loans biz, plans to open 1,000 branches

Aditya Birla Capital said its entry into the gold loan segment marks a strategic expansion of its secured lending portfolio and "complements its existing retail and MSME lending franchise

Manappuram ends family-led era, appoints Ashish Singh as new CEO

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

Gold loan repayment option: Choose based on cash flow, not loan eligibility

Compare total cost and maintain a buffer to reduce auction risk

Gold loan delinquencies may rise under new RBI repayment norms: Icra

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

Weak monsoon will increase rural gold loan demand: Divya S, Capri Global

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.

Rajesh Exports: Analysts flag confidence crisis for LIC, FPIs, retail investors

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 falls 6% after mixed Q4 show; posts strong gold loan growth

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

Gold loan boom sees early stress; delinquencies rise with borrower leverage

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

Retail portfolio quality improves in Jan; war impact under watch: Cibil CEO

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

Banks' gold loan portfolio surges 128% in February, shows RBI data

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