India Gold Loan Boom: RBI Chill Hai, Par Paisa Kahan se aa raha hai?

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AuthorKavya Nair|Published at:
India Gold Loan Boom: RBI Chill Hai, Par Paisa Kahan se aa raha hai?
Overview

Bhaiyo aur Behno, ekdum dhamaka ho gaya hai! India mein gold loans ki demand ab poori tarah se control se bahar lag rahi hai. Pata hai kitna badha hai? **127%** se zyada! December 2025 tak, yeh loans **₹3.82 Trillion** tak pahunch gaye hain.

Unsecured Loans se Gold Ki Taraf Shift?

Yaar, yeh jo numbers aa rahe hain na, yeh dikha rahe hain ki banks aur NBFCs abhi unsecured loans (jaise personal loans ya microfinance) se hatkar gold ke against loans dene mein zyada focus kar rahe hain. Pichhle saal unsecured portfolios mein kaafi dikkat thi, badhte NPA (Non-Performing Assets) ne sabko pareshan kar diya tha. Toh ab sab secure, yaani gold lenders ke paas aa rahe hain.

Aur iska ek bada reason hai gold ki badti prices! February 2026 tak, gold ke rates lagbhag 80% badh gaye hain. Isse lenders ko collateral value bhi tagdi mil rahi hai aur woh zyada amount approve kar pa rahe hain. Banks ne is segment mein apni share 50% tak pahuncha li hai, jo 2020 mein sirf 30.6% thi. NBFCs ka share thoda kam hua hai.

RBI Bolti Hai 'No Tension'! Kyun?

Governor Sanjay Malhotra aur Deputy Governor Swaminathan J. ne bola hai ki yeh growth unexpected nahi hai aur chinta karne ki koi baat nahi hai. Unka kehna hai ki lenders loan-to-value (LTV) ratio ko 70% se neeche rakhe hue hain, jo ki 85% tak allowed hai. Matlab, agar gold ka price girta bhi hai toh lenders ke paas kaafi buffer hai. Chote loans ke liye toh LTV limit bhi zyada rakhi hai.

Par Risk Kahan Hai?

Sabse bada risk hai gold ke price mein hone wale sudden giravat ya boom. Yeh sirf borrower ki capacity nahi, global economic conditions aur geopolitical events par bhi depend karta hai. Agar price mein badi correction aayi aur us time borrower ki repayment capacity bhi down hui, toh lenders ke liye mushkil ho sakti hai. RBI ko is baat ka bhi dhyan rakhna hoga ki unsecured lending mein risk kam ho raha hai, par ab bhi yeh loans bank advances ka 20% se zyada hai. Dekhna yeh hai ki yeh gold loan ka trend kitna sustainable rehta hai!

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