The gold loan industry in India is experiencing a digital revolution. Technology is changing how you access loans against your gold.

Challenges in Traditional Gold Loans

Getting a gold loan was difficult earlier. You had to visit bank branches during working hours. The paperwork took several days to complete. Different appraisers gave different valuations for the same gold. You never knew the exact interest rates upfront. India has approximately 25,000 tonnes of gold worth over $1.5 trillion. But most of this gold remained locked in homes. The old system made it hard to use gold for loans.

Expanding Gold Loan Market in India

This market has grown rapidly and it reached ₹11.8 trillion by March 2025. The market will touch ₹15 trillion by March 2026. Banks hold 82% of all gold loans.

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