Gold Loans

Punjab National Bank offers the lowest gold loan interest rate at 8.35%, followed by other banks like Indian Bank and ICICI Bank, with rates starting at 8.75% per annum.

Personal loans, credit cards, gold loans, and home loans: Pros and cons you should know

Each of these borrowing tools has its place-and its traps. Here's what really works in your favour and what doesn't.

Data Story: India’s Golden ATM

A massive Rs 1 lakh crore expansion in gold loans in the last six months is unlocking the vast, dormant wealth of India's unproductive family gold hoards

Banking Central | What the 2025 gold price surge means for Indian lenders

Higher metal prices raise the marked-to-market value of pledged jewellery, improving loan-to-value (LTV) cushions for the same quantum of lending

How gold loans work and when they can be useful

Quick access to funds without selling your gold assets

Gold loan market surges 122% in a year: Top banks with the lowest interest rates

The gold loan market surged 122% to Rs 2.94 lakh crore, driven by high gold prices and relaxed RBI regulations, with top banks offering interest rates starting at 8.35% per annum.

From gold loans to EMIs: RBI’s fresh rules every borrower must know from Oct 1

In an official statement on Monday, the RBI stated, "RBI has today issued seven Directions/Circulars, proposing to amend some of the extant Directions/Circulars applicable to banks and other regulated entities".

Gold loan interest rates start at just 8%: Here are best offers from banks and NBFCs

Indian Bank, Punjab National Bank, and Canara Bank are offering gold loans at interest rates between 8 percent and 8.80 percent per annum.

India's new gold loan rules to reshape lenders' business models: S&P

Lenders have until April 1, 2026, to comply with the new norms

LTV Boost for Gold Loans: A shot in the arm for NBFCs, but risks loom large

RBI’s higher LTV ceiling sparks opportunity for NBFCs, but gold price volatility demands tight risk controls

Tighter RBI rules for gold loan collaterals: Here’s what you need to know

RBI’s New Gold Loan Rules: The objective is to mitigate volatility risk inherent to such products. However, excluding gold bars, gold and silver ETFs and mutual fund units as collateral may limit options for investors, say experts.

Muthoot Finance, Manappuram Finance shares extend rally after RBI’s final gold loan guidelines

Gold loan NBFCs rallied on June 9 after the RBI released final guidelines raising the loan-to-value ratio to 85 percent for loans up to Rs 2.5 lakh.

Why consider CSB Bank despite subdued earnings in FY25?

CSB Bank has articulated its long-term vision, under which, by FY2030, its loan portfolio will be well-diversified with 20% in gold, 30% in retail, 20% in SME and 30% in wholesale and other businesses.

RBI proposes new guard rails for gold loans, will they hurt more than help?

While gold prices may be shining bright, gold loans are seeing pockets of stress that has led to the RBI issuing proposals to curb excesses

RBI to issue comprehensive norms for gold loans

According to the RBI's Sectoral Deployment of Bank Credit released on March 27 showed that credit extended to borrowers for loans against gold jewellery rose sharply in February 2025, coinciding with a record rise in gold prices, with gold loan portfolio at the end of the month rising by 87.4 percent as compared to a growth of 15.2 percent a year ago.

CSB Bank: Could gold’s glitter lead to a valuation re-rating?

CSB Bank benefits immensely from a gold loan portfolio that has higher yields, low credit costs and lower risk weights, offsetting pressures facing small banks

Vault matters | Barely discussed concerns in gold loans

The year 2024 belonged to gold loans clearly. From one of the largest players, IIFL Finance, being banned for a little over six months this year to the regulator waking up the irregularities in the sector, gold loans have become the product everyone wants to focus on. But if unsecured loans are being realigned as secured gold loans product, is that proposition well thought through?

High gold prices spur growth in loans against jewellery; is there a risk build-up here?

Gold prices have escalated in recent years and are up by 25.96 percent year-over-year. This makes the yellow metal a more valuable commodity for banks to give loans against.

Gold loans: These banks and NBFCs offer the lowest interest rates

Gold loans: Indian Bank, State Bank of India offer the cheapest gold loans at interest rates of 8.8-9.05 percent per annum. A gold loan is secured and is given when customers pledge their gold with the bank.

CSB Bank Q1 FY25 – Soft quarter, but guidance encouraging

Profitability dragged down by a sharp fall in margin and higher operating expenses

Manappuram Finance stock zooms 9% to hit 52-week high; up 66% in a year

Manappuram Finance stock has grown significantly over the past few months, gaining over 66 percent in the last on year compared to 27 percent rise seen in benchmark Nifty 50.

Weekly Tactical Pick: This bank is the best proxy for the growing gold loan business

The bank hugely benefits from a gold loan portfolio that has higher yields, low credit costs, and lower risk weights.

Muthoot Finance, Manappuram shares fall up to 8% on RBI's cash disbursal advisory

RBI, in an advisory, has asked NBFCs to stick to cash disbursal limit of Rs 20,000. This will cause a one-time impact on NBFCs that have a higher proportion of cash disbursals, said Ambit.

CSB Bank’s subdued show in Q4 is just a blip

The bank hugely benefits from a gold loan portfolio that has higher yields, low credit costs, and lower risk weights

IIFL Finance facing liquidity crunch after gold loan business curbs, could see Rs 500-cr hit: Report

In early March, RBI ordered IIFL Finance to stop sanctioning, disbursing and selling gold loans