Dankuni–Surat Dedicated Freight Corridor: Indian Railways fast-tracks 2,100 km east-west link—Here's what to know

Silver Price Crash: White metal slumps 9%, MCX near-month futures crack below Rs 2,39,350 mark—What's fuelling the fall?

Zee Business Budget ‘Samvad’ @ BSE: D-Street veterans discuss market, MF and more with Anil Singhvi

MEA says revised US factsheet mirrors ‘shared understanding’ on interim trade deal

Coal India profit falls 16% in Q3FY26; declares Rs 5.5 interim dividend

Buying gold or silver? Motilal Oswal explains if bullion prices can hit fresh record highs

Petronet LNG Q3 Results: At 5%, PAT growth misses estimates; top line up 1% sequentially

RBI tightens loan recovery rules: No calls after 7 pm, banks must list recovery agents from July 2026

New Toll Rules From Feb 15: Lower charges on partially operational expressways—All you need to know

IRCTC Q3 FY26 Results: PAT grows 16% to Rs 394 crore, 175% dividend declared

Analysts attribute this shift to PSU Banks' ability to fund large-ticket loans at lower costs, while NBFCs leverage specialised gold loan operations, faster processing, and deeper penetration in semi-urban and rural markets.&nbsp;Despite rapid expansion, asset quality across lender types has improved. Early-stage delinquencies declined across the board in 2025, supported by rising gold prices and strong recovery mechanisms.

PSU banks tighten grip on India’s gold loan market as NBFCs drive volume growth: CRIF Report

India’s bank credit growth in FY26 has been steady rather than spectacular, with retail loans especially housing and gold - doing the heavy lifting. Strong MSME lending by public sector banks and a pick-up in rural demand have added momentum, while corporate borrowing remains cautious. Improving asset quality and a positive outlook for FY27 suggest the credit cycle is slowly but firmly stabilising.

Retail loans drive bank credit growth in FY26 as corporate borrowing stays muted

Gold loans have become the fastest-growing segment in India’s retail credit market, outpacing cards and personal loans. Asset quality remains steady for scheduled commercial banks, with gold loan NPAs broadly unchanged. However, NBFCs have reported mounting stress, underlining the need for tighter risk management in this fast-growing segment.

&nbsp;

Gold Loans Shine: 2.2x growth far outpaces retail credit as collateral becomes more precious

The Finance Ministry said on Friday it has suggested that the Reserve Bank of India (RBI) should exclude small borrowers of up to Rs 2 lakh from the provisions of its draft directions on lending against gold collateral.

Finance Ministry urges RBI to exclude small borrowers from new gold loan norms

Analysts have downgraded gold financiers after RBIs draft guidelines on gold loan.

Gold financiers trade mixed after RBI draft on gold loans; Muthoot Finance slips up to 8% after brokerage downgrade

The domestic gold prices, which have risen 20 per cent year-to-date, have lagged slightly behind global prices due to a recent 10 per cent import duty cut but have still increased 6 per cent since the end of June.

Gold NBFCs will benefit from potential rate cuts and prices surge: Jefferies

With the market penetration of gold loans in India currently at only 5.6 percent, there is considerable untapped potential within household gold holdings.

India's gold loan market set for rapid growth amid rising prices; unorganized sector holds 63% share: Report

Want to get loan after 60? These 4 options facilitate senior citizens

In March, RBI halted IIFL Finance Ltd. (the company) to stop sanctioning or disbursing gold loans or assigning, securitising, or selling any of its gold loans.&nbsp;

RBI's red flag on non-bank lenders raises volatility, Fitch says 

Strictness in government banks on gold loans, DFS gave instructions to government banks for investigation, see complete details in this video

Government Banks Under Investigation with regards to Gold Loans

Strictness on gold loan may increase, Government and RBI keep an eye on complaints related to gold loan.. Finance Ministry and RBI consider increasing strictness on gold loan.. Disclosure rules possible for gold loan from both customer and company

Rising Concerns: Government and RBI's Stance on Gold Loan Complaints | Zee Business

The Department of Financial Services (DFS), a division of the Finance Ministry has instructed all state-run banks last month to scrutinize their gold loan accounts granted after January 1, 2022.

Public sector banks asked to reassess gold loan process amid debt risk concerns

Stock market news, stock market today:&nbsp;The company's stock surged as much as 6.16 per cent to Rs 160.90 on the BSE, a day after the company held its Analyst Meet.

This NBFC stock is expected to rise 27% from current levels; take a look

Top-ups refer to an additional loan taken over an already existing one. It is an add-on facility that lenders offer to their existing customers.

Explained: Why gold financiers often offer more top-up on existing loan

Unlike other form of loans, gold loans&nbsp;come with a&nbsp;guarantee for banks.&nbsp;

Gold loans: Compare who offers best interest rate - SBI vs HDFC Bank vs ICICI Bank vs BoB

One of the most popular activity carried out by many on&nbsp;Akshaya Tritiya&nbsp;is buying gold.

 Akshaya Tritiya 2019: SBI vs HDFC Bank vs ICICI Bank vs BOB vs Muthoot vs Manappuram - Check best gold loan offers

One can say that a new realization dawned over the participants of the stock market to come to the conclusion that gold loan NBFC have positive ALMs, low leverage, pricing power and highly liquid collateral.&nbsp;

Experts upbeat on golds loans, see these NBFC stocks rise by 20-21%

Personal loan vs gold loan: Which is better? Your loans decoded

One of the key advantages of applying for gold loan, is that they are processed within minutes and are generally kept for short to medium term duration.&nbsp;

Are you planning to avail gold loan? Remember these points or else you will be trapped

gold-loans

Analysts attribute this shift to PSU Banks' ability to fund large-ticket loans at lower costs, while NBFCs leverage specialised gold loan operations, faster processing, and deeper penetration in semi-urban and rural markets. Despite rapid expansion, asset quality across lender types has improved. Early-stage delinquencies declined across the board in 2025, supported by rising gold prices and strong recovery mechanisms.

India’s bank credit growth in FY26 has been steady rather than spectacular, with retail loans especially housing and gold - doing the heavy lifting. Strong MSME lending by public sector banks and a pick-up in rural demand have added momentum, while corporate borrowing remains cautious. Improving asset quality and a positive outlook for FY27 suggest the credit cycle is slowly but firmly stabilising.

Gold loans have become the fastest-growing segment in India’s retail credit market, outpacing cards and personal loans. Asset quality remains steady for scheduled commercial banks, with gold loan NPAs broadly unchanged. However, NBFCs have reported mounting stress, underlining the need for tighter risk management in this fast-growing segment.
 

The Finance Ministry said on Friday it has suggested that the Reserve Bank of India (RBI) should exclude small borrowers of up to Rs 2 lakh from the provisions of its draft directions on lending against gold collateral.

Analysts have downgraded gold financiers after RBIs draft guidelines on gold loan.

Zee Business

Home

Personal Finance

India

Economy

Tech

Auto

Markets

Jobs

Indian Railways

World

Videos

Photos

Gold loans News- Zee Business provides latest news on Gold loans, Gold loans news Today, Top News on Gold loans, update on Gold loans Stay updated with business news, breaking news headlines.

Gold Loans

PSU banks tighten grip on India’s gold loan market as NBFCs drive volume growth: CRIF Report

Retail loans drive bank credit growth in FY26 as corporate borrowing stays muted

Gold Loans Shine: 2.2x growth far outpaces retail credit as collateral becomes more precious

Finance Ministry urges RBI to exclude small borrowers from new gold loan norms

Gold financiers trade mixed after RBI draft on gold loans; Muthoot Finance slips up to 8% after brokerage downgrade

Gold NBFCs will benefit from potential rate cuts and prices surge: Jefferies

RECOMMENDED

Dankuni–Surat Dedicated Freight Corridor: Indian Railways fast-tracks 2,100 km east-west link—Here's what to know

Silver Price Crash: White metal slumps 9%, MCX near-month futures crack below Rs 2,39,350 mark—What's fuelling the fall?

Zee Business Budget ‘Samvad’ @ BSE: D-Street veterans discuss market, MF and more with Anil Singhvi

MEA says revised US factsheet mirrors ‘shared understanding’ on interim trade deal

Coal India profit falls 16% in Q3FY26; declares Rs 5.5 interim dividend

Buying gold or silver? Motilal Oswal explains if bullion prices can hit fresh record highs

Petronet LNG Q3 Results: At 5%, PAT growth misses estimates; top line up 1% sequentially

RBI tightens loan recovery rules: No calls after 7 pm, banks must list recovery agents from July 2026

New Toll Rules From Feb 15: Lower charges on partially operational expressways—All you need to know

IRCTC Q3 FY26 Results: PAT grows 16% to Rs 394 crore, 175% dividend declared

India's gold loan market set for rapid growth amid rising prices; unorganized sector holds 63% share: Report

Want to get loan after 60? These 4 options facilitate senior citizens

RBI's red flag on non-bank lenders raises volatility, Fitch says

Government Banks Under Investigation with regards to Gold Loans

Rising Concerns: Government and RBI's Stance on Gold Loan Complaints | Zee Business

Public sector banks asked to reassess gold loan process amid debt risk concerns

This NBFC stock is expected to rise 27% from current levels; take a look

Explained: Why gold financiers often offer more top-up on existing loan

Gold loans: Compare who offers best interest rate - SBI vs HDFC Bank vs ICICI Bank vs BoB

Akshaya Tritiya 2019: SBI vs HDFC Bank vs ICICI Bank vs BOB vs Muthoot vs Manappuram - Check best gold loan offers

Experts upbeat on golds loans, see these NBFC stocks rise by 20-21%

Personal loan vs gold loan: Which is better? Your loans decoded

Are you planning to avail gold loan? Remember these points or else you will be trapped

Top News

Dankuni–Surat Dedicated Freight Corridor: Indian Railways fast-tracks 2,100 km east-west link—Here's what to know

Silver Price Crash: White metal slumps 9%, MCX near-month futures crack below Rs 2,39,350 mark—What's fuelling the fall?

Zee Business Budget ‘Samvad’ @ BSE: D-Street veterans discuss market, MF and more with Anil Singhvi

MEA says revised US factsheet mirrors ‘shared understanding’ on interim trade deal

Coal India profit falls 16% in Q3FY26; declares Rs 5.5 interim dividend

Buying gold or silver? Motilal Oswal explains if bullion prices can hit fresh record highs