Gold loans 💰 boom: Empowering India’s credit story

Gold is no longer just sitting in lockers. Gold loans are on fire in 2025

People across India are utilizing gold loans for various purposes, from weddings to small businesses. It’s now powering India’s credit story. Outpacing personal loans and credit cards. Taking loans on gold used to be a “last option,” but now it’s a smart money move. Because prices are sky-high, RBI is regulating smartly, and apps are making borrowing as easy as ordering tea.

• Total gold loans of the country have touched ₹2.94 lakh crore in Aug 2025 (122% jump in a year).

• Have grown 103% in FY25 vs. just 8% in personal loans.

• Quick approval, less paperwork, and lower interest (8–12%).

• Borrowers now include urban, rural, and small businesses.

👉 Why this matters: Gold is turning into India’s favourite way to get a quick, safe, and cheap credit option.
[Read More: india Today]

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