Gold Loan

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

Draft gold loan guidelines may slow down NBFCs' loan growth, says Crisil

The draft guidelines propose that the loan-to-value (LTV) ratio be maintained within a ceiling of 75 per cent throughout the loan tenure, including both principal and accrued interest

Muthoot Finance board approves interim dividend of Rs 26 per share

Gold loan financier Muthoot Finance on Monday said its board has approved an interim dividend of Rs 26 per share ahead of their quarterly numbers for the fourth quarter of FY25. The board on Monday considered and approved the payment of an interim dividend of Rs 26 per equity share or 260 per cent of the face value of Rs 10 per share for the financial year 2024-25, Muthoot Finance said in a regulatory filing. Besides, it recommended for approval of the shareholders, an increase in the borrowing powers of the Board of Directors for an amount up to Rs 2 lakh crore, it added. The board also approved the appointment of George Joseph as an independent Director of the company. The proposals are subject to shareholders' approval, it added.

RBI's draft gold loan norms: Compliance cost may rise for lenders

Banks, NBFCs need to adopt standardised documentation across all branches

Poonawalla Fincorp launches gold loan business; eyes Tier-I, II expansion

The Cyrus Poonawalla Group-backed NBFC plans to open 400 new branches over the next four quarters, targetting Tier-II and Tier-III cities

Piramal Finance plans to foray into gold loan business for growth

Investment banking sources said the Piramal group is open to acquisitions, though it is not involved in any talks

Shriram Finance aims to increase market share in gold loan business

Shriram Finance Ltd, the flagship company of the diversified conglomerate Shriram Group is looking to consolidate its gold loan business and increase the market share in the coming quarters. On the back of organised gold loan market expected to double in the next five years, the company has drawn up plans to introduce gold loan business in more branch networks. "In Q3FY25, the gold loan Assets Under Management (AUM) in Shriram Finance Ltd's Tamil Nadu branches in North Coastal, Kancheepuram and Salem, Krishnagiri and Tiruvallur zones grew significantly. We are now looking to consolidate and grow our market share in the coming quarters and a part of our plan is to introduce gold loan business in more branches," company Deputy Managing Director Anbuselvam said. The demand for gold has surged as individuals and small businesses seek quick access to funds, aligning with the national trend of rapid expansion in the organised gold loan industry, the company said in a statement here on ...