Gold loans have increased by a whopping 107% in just one financial year. The gold loan amount rose by 107.76% in 2026 compared to 2025. This shows that more and more people are taking gold loans.
The outstanding amount of gold loans as of February 2026 was ₹4,28,578 crore. In March 2025, the outstanding amount was ₹2,06,284 crore, and in March 2024, it was ₹93,301 crore. This clearly shows that the amount of gold loans is almost doubling every year.
| Year / Month | Gold Loan Outstanding (₹ Crore) | % Increase (YoY) |
|---|---|---|
| March 2024 | 93,301 | — |
| March 2025 | 206,284 | 121.10% |
| February 2026 | 428,578 | 107.76% |
The rate of 10g of 24k gold (99.9%) in Delhi, India is Rs.1,51,895.00. The gold rate has increased significantly, and this may be one of the factors responsible for the rise in Gold Loans. Banks typically offer gold loans up to 75% to 85% of the pledged gold’s market value. Since, the value of Gold is increasing, people are eligible for more bank loan.
Another reason can be the ease of getting a Gold Loan. A lot of Banks in India are offering Gold Loan digitally within 10 minutes. There is no paperwork, and the money is credit in the account of the customers within 10 minutes. So, more and more people are getting inclined towards the Gold Loan.
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