{
 "name": "India Bank Gold Loans (Loans Against Gold Jewellery)",
 "unit": "outstanding, Rs lakh crore (fiscal year-end)",
 "dashboard": "https://bankpulse.ai/dashboards/gold-loans/",
 "source": "RBI Sectoral Deployment of Bank Credit (loans against gold jewellery, a personal-loans sub-segment) and RBI regulatory material on lending against gold collateral",
 "reviewed_by": "Vikram Jain",
 "license": "https://creativecommons.org/licenses/by/4.0/",
 "updated": "2026-06-19T07:18:02+05:30",
 "dateModified": "2026-06-19T07:18:02+05:30",
 "ltv_ceiling_pct": 75,
 "note": "Rounded and approximate; recent years provisional and revised. The FY25 rise is partly mechanical because gold prices rose and some agriculture loans backed by gold were reclassified into the retail gold-loan bucket. This bank series excludes the separate gold-loan books of NBFCs (e.g. Muthoot, Manappuram), so the combined organised market is larger. The RBI caps gold loans at 75% loan-to-value (LTV).",
 "series": [
  {
   "fiscal_year": "FY21",
   "outstanding_rs_lakh_cr": 0.6,
   "approximate": true,
   "note": "Pandemic year -- households pledge gold for liquidity"
  },
  {
   "fiscal_year": "FY22",
   "outstanding_rs_lakh_cr": 0.7,
   "approximate": true,
   "note": "Steady growth as gold-loan demand normalises"
  },
  {
   "fiscal_year": "FY23",
   "outstanding_rs_lakh_cr": 0.9,
   "approximate": true,
   "note": "Retail gold-loan book expands with branch push"
  },
  {
   "fiscal_year": "FY24",
   "outstanding_rs_lakh_cr": 1.1,
   "approximate": true,
   "note": "Double-digit growth; gold prices firm"
  },
  {
   "fiscal_year": "FY25",
   "outstanding_rs_lakh_cr": 1.8,
   "approximate": true,
   "note": "Sharp jump -- gold-price rise + some reclassification of agri gold loans"
  }
 ]
}