Gold Loan Market Share 2022

Quadintel has published a new report on the gold loan market. The research report contains detailed information about demand, growth, opportunities, challenges and restraints. Also, it provides an in-depth analysis of the structure and possibility of global and regional industries.

In India, gold is considered a sign of social status, financial security and cultural heritage. In 2019, Indian households collected about 25,000 tons of gold, making the country the largest gold holder in the world. Rural communities account for approximately 65% ​​of the total gold demand in the country. Due to the sentimental value that Indians attach to this indispensable item, people rarely sell it to meet financial emergencies. They prefer to give gold as collateral to secure short-term loans. Gold loans benefit from a relatively low interest rate that varies between 9.5% and 24%, and a flexible duration (ranging from a few days to 5 years).

Gold Loan Market in India was valued at ~INR 2,921.42 Billion in 2019 and is projected to reach ~INR 6,275.40 Billion by 2025, expanding at a compound annual growth rate (CAGR) of approximately 12.75% over the period 2020-2025.

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Segment information:

India’s gold lending market is segmented into organized gold lending market also known as formal gold lending market and unorganized gold lending market or informal gold lending market . The organized gold lending segment includes public banks, private banks, petty financial banks, cooperative banks, NBFCs and Nidhi companies. In contrast, the unorganized sector is dominated by moneylenders and moneylenders.

The unorganized segment accounts for over 60% of the gold loan market in the country. Nonetheless, the organized sector is expected to expand exponentially over the forecast period.

NBFCs make up the largest share of the organized market. Customers residing in rural parts of the country are gradually turning to these NBFCs, due to the fast loan processing, systematic gold valuation, auction and custody. Banks also offer gold loans, but they mostly consider them as their Priority Sector Lending (PSL) requirements. In addition, junior finance companies and Nidhi companies represent the cooperative segment of the Indian gold lending industry and account for approximately 12.98% of the organized gold lending market. Private sector banks are gradually entering the Indian gold lending market with technology driven offerings like online gold lending services.

Impact of COVID-19:

The Indian gold loan market has witnessed a positive impact on businesses during the nationwide lockdown due to the coronavirus pandemic. Gold lending products grew rapidly relative to other retail banking products during this period. Due to economic distress and job losses, gold acts as an insurance policy, as well as a retirement plan across India. People take advantage of gold loans to meet their immediate fund needs.

In addition, demand for gold loans is expected to increase further as borrower risk profiles have depreciated significantly and lenders are becoming increasingly risk averse. Many NBFCs are facing a liquidity crisis, which is deteriorating their liquidity capacity. Therefore, gold loans become a fallback plan for borrowers who are denied a loan through the usual channels.

Companies covered:

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Axis Bank of India
central bank of india
Federal Bank Limited
HDFC Bank Limited
ICICI limited
Kotak Mahindra Bank Limited
Manappuram Finance Limited
Muthoot Finance Limited
National Bank of India
Union Bank of India


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