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Hyderabad, Oct 10 (Maxim News) : With gold prices hitting record highs, banks are facing growing challenges in loan disbursement and recovery .
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A significant portion of over 30 percent of gold loan customers are defaulting by failing to repay within the prescribed one-year period, pushing their accounts into Non-Performing Asset (NPA) status.
In response, several banks have introduced stricter repayment conditions. Unlike earlier practices, borrowers must now pay the full monthly interest from the date the loan is sanctioned.
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Banks warn that failure to meet these payments will negatively affect a borrower’s credit score, as reported to agencies like CIBIL. Once marked as an NPA, customers w