Gold loan sector mein ek bada trend dikh raha hai. TransUnion CIBIL ke report ke mutabik, aadhe se zyada log baar-baar loan le rahe hain aur total outstanding balance **₹22.5 lakh crore** tak pahunch gaya hai.
Kya chal raha hai Gold Loan market mein?
Gold loan ab sirf emergency ka option nahi raha, ye ek recurring habit ban gaya hai. August 2026 tak total outstanding loan ka figure ₹22.5 lakh crore touch kar chuka hai. TransUnion CIBIL ki report ke hisaab se, 57% borrowers (jinka loan ₹2.5 lakh se kam hai) ek saal ke andar wapas credit lene aa rahe hain.
Bigger Loans, Lesser People
Market mein ek ajeeb trend hai. June 2026 quarter mein naye loans lene walo ki sankhya 15% giri hai, lekin total loan ki value 12% badh gayi hai. Iska matlab saaf hai—log kam log aa rahe hain, par bade-bade loans utha rahe hain.
Investors ke liye Warning Signs
Ye baar-baar loan lene ka pattern chinta ki baat hai. Kai baar log purane debt ko chukane ke liye naya gold loan le rahe hain. NBFCs aur Banks ke liye ye ek bada risk hai, kyunki agar gold price gira ya borrower ki income down hui, toh repayment mein dikat aayegi. Already kuch lenders ne Stage 2 aur Stage 3 assets mein stress dekhna shuru kar diya hai.
Investors ko kya karna chahiye?
Sirf gold collateral dekh kar khush mat hoiye. Aanewale quarters mein ye zaroor dekhein ki lenders apne risk assessment aur credit screening ko kitna tight kar rahe hain. Asset quality par nazar rakhna ab pehle se kahin zyada zaroori hai.