Gold loans top retail credit market in India

Gold loans have emerged as the leading segment in India’s retail credit market, accounting for loan volumes at 36 per cent and around 40 per cent by value, driven by rising gold prices and increasing consumer preference for secured borrowing, a report said on Tuesday.
The report by TransUnion CIBIL showed that the surge has been supported by a sharp increase in ticket sizes, with the average gold loan amount rising significantly over the past two years to around Rs 1.9 lakh in the December 2025 quarter. The report also noted that the consumer market indicator (CMI) — a major gauge of credit market health — rose to 102 in the December 2025 quarter, up from 97 a year ago and 100 in the preceding September quarter.