India’s gold loan market is experiencing unprecedented growth, fueled by the sharp rise in gold prices and the product’s increasing acceptance as a mainstream secured lending option. This momentum reflects both the rising demand for secured credit and lenders’ ability to provide fast, convenient financing backed by gold collateral. Notably, borrower behavior is shifting rapidly in response to the broader availability and accessibility of credit.
The TransUnion CIBIL Gold Loan Landscape Report – April 2026 offers a comprehensive, data rich view of this fast-evolving sector, uncovering emerging risk trends and underscoring the need for a more segmented, insights driven approach to portfolio monitoring. Key highlights from the report include:
· Gold loan portfolios have grown 3.8x between March 2022 and December 2025, driven by wider borrower adoption and an increase in underlying asset values.
· Borrowers are taking larger-ticket and more concurrent gold loans, resulting in higher leverage and elevated risk, with the average ticket size having doubled over this period.
· Wallet concentration, recent delinquency, unsecured exposure, and borrower level exposure above ₹2.5 lakh emerge as strong forward looking risk indicators for new gold loans.
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