Gold Loan

Contrary to popular perception, gold loans are no longer primarily distress-driven

Gold Loan Boom: Rs 14.5 lakh crore market spurs NBFCs to add 3,000 branches

Leading players such as Muthoot Finance, Muthoot Fincorp, IIFL Finance and Bajaj Finance are collectively expected to open around 1,800 branches

Gold loan or personal loan: Here’s how to know which one actually works better for you

A gold loan can sometimes be a smarter, cheaper and quicker option than a personal loan—if you know when to choose it.

Billionaire Muthoot family turns India’s gold obsession into a fortune

Their family-run firm that’s doled out gold loans for almost nine decades is on a roll as consumers take advantage of surging bullion prices to swap jewelry for short-term cash

Gold loan vs personal loan: The smarter choice when cash runs short

When cash can’t wait, pick the option that saves interest, protects your assets, and gets money to you on time.

Lenders turn cautious on gold loan borrowing limits

Sources say loan to value by leading NBFCs and a few banks in the gold loan segment has started reducing by 2 – 4 percent, in anticipation of a likely dip in gold prices.

Cautious on gold loans despite huge demand as prices soar, South Indian Bank CEO Seshadri

Higher gold prices mean customers can borrow more against their ornaments, driving demand but the sharp price movement also raises risk, the CEO tells Moneycontrol

Gold loan market jumps 122% as gold prices continue to hit all-time highs; Know hidden risks

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.