Gold Loan

The gold loan market has surged 122% year-on-year to Rs 2.94 lakh crore as of July 2025, driven by rising gold prices, eased regulations, and increased accessibility for low-credit borrowers.

Will high gold prices add shine to the CSB Bank’s stock?

The bank’s gold lending portfolio has a huge runway for growth

Gold loan interest rates: Top banks offering loans at competitive rates starting at 8% per annum

Indian Bank offering the lowest rate on gold loan, followed by Punjab National Bank at 8.35% and Bank of India at 8.6%.

Gold loan NBFC Muthoot Finance says will 'better' the full-year growth guidance, shares at record high

The NBFC cited three key factors behind the strong quarterly show, which are, a healthy demand for gold loans, strong momentum in gold prices, and recent lending guidelines by RBI that were seen as business friendly by the industry.

When do you choose a gold loan over a personal loan?

When you require money urgently and own gold jewellery, pawning it can give you cheaper interest and quicker sanction than unsecured loans.

Loan against gold jewellery grew 124% in June, fastest among personal loans, RBI data shows

In absolute terms, the outstanding loan against gold jewellery stood at Rs 2.77 lakh crore as on June 27 . There has been a decline in the consumer durable segment

RBI clarifies loans against voluntary gold and silver pledged up to limit not norm violation

Last month, the central bank released the final guidelines for lending against gold and silver collateral.

Capri Global shares soar over 11 percent after large trade, NBFC offers 'Auto Pay' on gold loans

Capri Global has also strengthened its digital services with a 'Smart Auto Pay' facility for gold loans, which it said is designed to make gold loan repayments more convenient and hassle-free.

Final gold loan norms likely today or by Monday, says RBI Governor, financiers cheer LTV relief

Malhotra said the Loan-to-Value (LTV) for gold loans below Rs 2.5 lakh will be revised to 85 percent, from the proposed 75 percent as part of the latest recommendations.

Why RBI must tread with caution on the gold loan rules

The central bank must listen to bankers’ concerns and craft a framework that regulates without alienating

Fin Min says draft RBI norms on gold loan should not affect small borrowers, implement from January 2026

The Department of Financial Services has suggested to RBI that the requirements of small gold loan borrowers should not be adversely affected. It also said the norms will be suitable for implementation from January 1, 2026.

Lenders flag off on draft gold loan guidelines to RBI

According to the RBI’s draft guidelines, lenders have to include appropriate single borrower limits and sectoral limits for loan portfolio against gold collateral, mechanisms to ensure end-use of loans, LTV ratio, valuation standards, and standards of gold purity.

Gold loan NBFCs may grow at a slower pace under proposed RBI norms, says Crisil

Gold loan NBFCs may need to reduce their LTV at disbursement from current 65-68% to around 55-60%, in order to comply with revised norms, a Crisil note has said.

Gold Loan vs Personal Loan: Interest rates, eligibility, how to apply and other key details

Torn between a gold loan and a personal loan? This guide breaks down the pros, cons, and key differences to help you choose the right option based on your financial needs.

Poonawalla Fincorp launches gold loan business, to open 400 new branches; stock up 2%

The company plans to open 400 new branches in a phased manner in the next four quarters to cement its presence across Tier 2 and Tier 3 cities

Gold loan interest rates: Check the latest rates offered by banks and NBFCs

Gold loan interest rates currently range from 8.75% to 27% across banks and NBFCs, with Canara Bank offering the lowest and NBFCs like IIFL and Muthoot charging higher rates for added flexibility.

RBI issues draft guidelines on gold loan, aims to put in place a 'harmonised' framework

The objectives behind the revised directions are to put in place a harmonized regulatory framework for such loans across banks, HFCs, NBFCs as well as cooperative banks. The RBI said it aims to address concerns over some of the lending practices being followed.

Loan against gold: Key details to know before borrowing

A gold loan is a quick and secure way to access cash by pledging your gold jewellery. With minimal paperwork, fast approvals, and lower interest rates than personal loans, it can be an ideal option for urgent financial needs.

Loan against gold jewellery grew by 87% in February, fastest among personal loans, shows RBI data

Bank credit to loan against gold jewellery was the fastest growing in the personal loan segment, compared to other components.

RBI set to ask lenders to tighten gold loan processes: Report

RBI wants banks and non-banks to also bolster background checks on borrowers and ascertain the ownership of the gold that is being mortgaged, the report said

Loan against gold jewellery saw fastest growth among personal loans in January, shows RBI data

Bank credit to personal loans, vehicle loans and credit card outstanding declined in January, leading to a deceleration of personal loan growth.

Zooming gold loans, rising defaults: What does this combo tell us about the Indian economy?

If there is rising stress at the bottom of the pyramid, such as in sensitive gold loan and microloan portfolios, the RBI should be worried. It should acknowledge the problem rather than pretending all is well in the economy.

Muthoot Fincorp to reorganise lending portfolio to 70% gold loans, 30% others in 4 years: CEO Shaji Varghese

The company has reviewed their policies and practices of business after the Reserve Bank of India (RBI) in September asked lenders to review it and rectify any deficiencies. Muthoot Fincorp did not find any deficiency, and everything is complied with guidelines, said Shaji Varghese.

Personal Loan Or Gold Loan – Which Is the Better Option For Urgent Cash? | MC Explains

Need urgent cash but can’t decide between a gold loan and a personal loan? Both options are popular for their quick disbursal and flexibility, but each has unique features that make them suitable for different situations. In this video, we break down: ✅ Loan approval chances and credit score requirements. ✅ Interest rates—what’s cheaper for you? ✅ Loan amounts and repayment tenures. ✅ Speed of disbursal and repayment options. Whether you have gold ornaments to use as collateral or a strong credit profile, we’ll help you weigh the pros and cons of each option to make the best choice for your financial needs. Don’t miss this comprehensive guide to borrowing smartly!

IIFL Finance to reorient its gold loan business

From a pure retail product, the lender is in the process of transitioning it into a SME-lending product