Gold loan research reports and trend reports

Gold loan interest rates, fees and loan-to-value across Indian banks and NBFCs, verified on lenders’ own sites.

Data report (living dataset) Gold Loan Growth in India: Trend Report, August 2026 Banks’ outstanding loans against gold jewellery in India stood at ₹5,59,468 crore on 31 August 2026, up 83.2% on a year earlier, according to RBI data compiled by BankCreds Research. Growth has been 50% or more in each of the last 24 months, since September 2024. Read the report → Calculator-backed study Gold Loan per Gram in India: Trend Report to July 2026 At RBI’s July 2026 gold price, a gram of 22-carat gold could borrow up to ₹11,159 — ₹1,11,591 on 10 grams — under the 85% loan-to-value cap for small consumption loans, BankCreds Research calculates. In October 2016 the same gram could borrow ₹2,076. Read the report → Data study Gold Loan LTV Risk in India: Research Report Between October 2016 and July 2026, RBI’s monthly gold price fell 10% or more below its starting level within a year in 6% of start months, BankCreds Research found. A 12-month bullet gold loan taken at 80% loan-to-value would have gone over RBI’s 85% cap in 27% of start months; taken at 70%, in 1%. Read the report → Comparative research Gold Loan or Sell Gold in India: Research Report If you need cash but want to keep your gold, a 12-month gold loan at the median lowest published rate (9.35%) cost less than selling the gold and buying it back in 74% of start months between October 2016 and July 2026, BankCreds Research found. At the median highest rate (15%), borrowing still won in 58%. Read the report → Regulatory impact study Gold Loan Rates vs Repo Rate in India: Research Report Only 4 of the 16 gold-loan lenders BankCreds Research checked link their rate to the repo rate, 2 use their MCLR, and 6 do not say on their gold-loan pages what the rate is linked to. After RBI raised the repo rate by 25 bps on 7 October 2026, the effect on a short gold loan was small: about ₹139 on ₹1 lakh over 12 months. Read the report → Comparative research Gold Loan vs Personal Loan India: Cost Research Report At 9 of the 10 lenders that publish both, a gold loan started at a lower rate than a personal loan, and at 10 its highest rate was lower too, according to BankCreds Research’s check of lenders’ own websites on 8 October 2026. Borrowing ₹1 lakh for 12 months cost about ₹5,587 as a gold loan and ₹8,041 as a personal loan at typical starting rates. Read the report → Statistical report Gold Loan Interest Rates in India: Research Report Published gold-loan interest rates in India ranged from 8.50% (Indian Bank) to 27% (IIFL Finance) a year on 8 October 2026, according to BankCreds Research’s check of 16 lenders’ own websites. Starting rates were similar across banks and NBFCs; the difference was the top of the range — a median of 9.25% at public sector banks against 24.13% at NBFCs. Read the report →

Data sources

Gold loan interest rates, fees and LTV across Indian lenders — verified snapshot — Lenders’ own published rates and charges; Reserve Bank of India gold-loan LTV directions
Bank credit outstanding: loans against gold jewellery (RBI sectoral deployment), monthly — Reserve Bank of India — Sectoral Deployment of Bank Credit (monthly press releases and data statements); RBI Bulletin, Table 15
RBI maximum loan-to-value for gold loans, banks and NBFCs — Reserve Bank of India — circulars and Directions on lending against gold collateral

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