National News
Celebrate the Sparkle of Sibling Love with Kalyan Jewellers
Bhai Dooj is a deeply cherished occasion that solidifies the eternal, unbreakable bond between a brother and sister. It’s a day when the sister prays for her brother’s long life and prosperity, and the brother, in turn, commits to protecting his sister. This year, express the depth of this priceless relationship with a heartfelt gift from Kalyan Jewellers. Adorn your loved one with jewellery that captures the purity of your bond, a treasure they’ll hold close long after the festivities end.
To make this beautiful exchange of love even more special, Kalyan Jewellers is offering up to 50% off on making charges. Celebrate the bond with your sibling with a gift that shines as brightly as your love.
Gift Him Modern Strength
Elevate your brother’s everyday style with this sleek, dual-tone kada/men’s bracelet, crafted from a striking combination of matte-finish white and rose gold. The contemporary geometric design is accented with three parallel rose gold lines, adding a bold touch to its minimalist aesthetic. With a refined, structured build and a smooth inner lining for comfort, this piece is a perfect gift to your brother this Bhai Dooj to honor your bond with enduring elegance.
Sparkle for Your Sister
These magnificent gold bangles from Kalyan Jewellers dazzle with alternating oval-cut rubies and brilliant diamond accents. Their intricate design creates a luxurious, sparkling embrace for her wrist. Gift this breathtaking pair to your sister this Bhai Dooj, a radiant testament to your affection and her brilliant spirit.
Gift Him Enduring Connection
This dual-tone men’s chain from Kalyan Jewellers features a modern wheat/foxtail link design in alternating white and rose gold-tones. Its sleek, braided pattern symbolizes strength and continuity. Gift this timeless, luxurious piece to your brother this Bhai Dooj as a beautiful token of your unbreakable bond.
Adorn Her in Timeless Beauty
This stunning gold bangle from Kalyan Jewellers features intricate filigree and floral cut-out designs, embellished with vibrant red cabochon stones. Its ornate, traditional craftsmanship exudes elegance. Gift this magnificent piece to your sister this Bhai Dooj, a radiant symbol of your love and her cherished place in your life.
A Link to Cherish
This sleek men’s bracelet from Kalyan Jewellers features a contemporary dual-tone link design, alternating between white gold and rose gold segments. Its refined, masculine aesthetic offers versatile style. Gift this elegant piece to your brother this Bhai Dooj, a beautiful symbol of your enduring connection and sophisticated taste.
Grace Her with Glimmering Tradition
These exquisite gold jhumka earrings from Kalyan Jewellers feature a circular design with a central white stone, surrounded by radiant red gemstones and delicate floral motifs. Adorned with traditional bell-shaped drops and gold beads, they exude ethnic charm. Gift these timeless beauties to your sister this Bhai Dooj, celebrating her elegance.
India’s appetite for borrowing against gold is reshaping the country’s credit landscape. Outstanding gold-backed loans have surged 128% from a year earlier, crossing Rs.4 lakh crore ($48 billion) for the first time, according to data from the Reserve Bank of India. As of Jan. 31, loans secured by gold jewellery stood at Rs.4,00,517 crore, marking one of the fastest expansions in retail credit in recent years.
The boom in gold loans has helped propel overall non-food bank credit growth to 14.4% year-on-year. Personal loans now account for 34.5% of total bank lending, outpacing other segments and underscoring a broader shift toward consumer-driven credit expansion
Gold loans alone contributed roughly 9% of incremental bank credit during the period. Between January 2024 and January 2026, outstanding gold-backed credit rose by nearly Rs.3.1 lakh crore—an increase of about 338% over two years—more than quadrupling the size of the portfolio.
Two factors are driving the surge. First, gold prices have climbed roughly 152% over the past two years, increasing the collateral value of household holdings. Second, regulatory guidance requiring banks to classify loans secured by gold explicitly as gold loans has sharpened reporting and accelerated balance-sheet growth in the segment.
The trend highlights a distinctive feature of India’s financial system: households’ vast stock of physical gold, long viewed primarily as a store of wealth, is increasingly being mobilized as collateral for formal credit.
While personal lending and credit to nonbank financial companies within the services sector continue to expand rapidly, industrial credit remains uneven. Loans to micro, small and medium enterprises are growing steadily, but borrowing by large corporations has stayed relatively muted.
Since March 21, 2025, banks have added Rs.21.8 lakh crore to their non-food loan books, translating into 12% growth for the financial year to date. Yet it is gold—rather than factories or infrastructure—that is emerging as one of the most dynamic engines of India’s current credit cycle.
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