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Gold loans register sharp growth
The New Indian Express Mysuru
|April 15, 2026
GOLD loans witnessed massive rise to become the country’s second-largest retail credit product by balance share after housing loans, according to TransUnion CIBIL's Gold Loan Landscape Report.
Gold loans share in retail credit portfolio has risen 3.8 times from 5.9% in March 2022 to 11.1% by December 2025. Housing loans with 27.8% share by balance as of December 2025 forms the largest retail credit product. Gold loans have cornered 39% of all incremental credit disbursals in December quarter, vastly outpacing housing loans that otherwise is the largest retail credit segment netting only 11%
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