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Gold Loans Average Ticket Size Jumps 39% YoY to ₹1.96 lakh

Analysts Attribute the Sharp Trajectory to Enhanced Collateral Valuations, Which Have Allowed Borrowers to Leverage Existing Assets for Higher Credit Limits

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Driven by a sustained rally in bullion prices, India’s gold loan market is experiencing unprecedented growth. The average ticket size surged 39% year-over-year to Rs.1.96 lakh in FY26, effectively doubling over three years. This nationwide portfolio expansion underscores robust credit demand and a broader penetration of formal financial services across demographics.

Gold loans have become the largest securitised asset class in India during the April-June quarter of FY27, overtaking vehicle loans for the first time this financial year, according to a CRISIL Ratings report. The report showed gold loans accounted for around 31% of total securitisation volumes, ahead of vehicle loans at 26%, as overall issuances rose 22% year-on-year to about Rs.60,000 crore.

Analysts attribute the sharp trajectory to enhanced collateral valuations, which have allowed borrowers to leverage existing assets for higher credit limits amid tightening liquidity in alternative retail segments.

The growth story is also becoming increasingly broad-based across the country. While southern India remains an important market for gold loans, there is strong momentum in newer geographies, according to Experian, a provider of credit information.

Strong YoY sourcing growth in FY26 was seen in states such as Uttar Pradesh (+138%), West Bengal (+112%), Rajasthan (+105%) and Maharashtra (+102%), highlighting growing acceptance of gold-backed lending beyond its traditional regional concentration and indicating a broader pan-India expansion trend

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National News

Chandukaka Saraf Presents ‘Ananta Mangalsutra Collection’

The Ananta Mangalsutra Collection Blends Timeless Tradition With Contemporary Elegance, Offering Gold and Diamond Designs For Every Woman and Every Milestone.

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Celebrating a remarkable legacy of 200 years, Chandukaka Saraf, a name trusted across generations, proudly presents the exclusive ‘Ananta Mangalsutra Collection’. This specially curated range brings together exquisite gold and diamond mangalsutras that beautifully blend the sacred heritage of Indian traditions with contemporary elegance, catering to the preferences of today’s modern woman.

A mangalsutra is more than just a piece of jewellery, it is a symbol of love, commitment, and an everlasting bond. Keeping this sentiment at the heart of the collection, Chandukaka Saraf has curated a wide range of traditional, contemporary, lightweight, and diamond-studded mangalsutras, offering something special for every woman and every occasion.

Over the years, the mangalsutra has evolved alongside changing lifestyles while continuing to hold deep emotional significance. Modern women seek jewellery that not only reflects tradition but also complements their individuality, personal style, and everyday routines. This shift has inspired designs that are versatile, elegant, and comfortable enough to be worn beyond special occasions.

From classic black-bead styles to modern diamond mangalsutra designs, each creation is thoughtfully crafted to complement evolving lifestyles while preserving the significance of tradition. Whether for brides, working professionals, or women seeking elegant everyday wear, the collection offers designs that celebrate individuality and enduring relationships.

The collection has been thoughtfully designed to cater to diverse preferences and occasions. Women seeking everyday elegance can explore lightweight mangalsutras crafted for comfort and effortless wear, while those who appreciate timeless craftsmanship can choose from traditional designs inspired by heritage aesthetics. For brides and wedding celebrations, the collection also features elaborate bridal mangalsutras that beautifully capture the significance and grandeur of one of life’s most cherished milestones.

The Ananta Mangalsutra Collection showcases a curated selection of gold mangalsutras and diamond mangalsutras crafted for every stage of a woman’s journey. Combining heritage-inspired artistry with contemporary aesthetics, the collection offers timeless traditional patterns as well as modern minimalist creations, making it ideal for weddings, anniversaries, gifting occasions, and daily wear.

To make this celebration even more memorable, Chandukaka Saraf has announced attractive festive offers for its valued customers. Customers can avail up to 30% off on gold jewellery making charges*, up to 70% off on diamond jewellery making charges*, and Rs 3,000 off per gram on old gold jewellery exchange*. These exclusive offers provide an excellent opportunity for customers to purchase their dream mangalsutra while enjoying exceptional value.

Speaking on the occasion, Chairman Kishorkumar Shah and Managing Director Ms. Samyak Kishorkumar Shah:

“extended a warm invitation to customers to visit their nearest Chandukaka Saraf showroom and explore this exclusive collection. They expressed their gratitude for the trust and affection shown by customers over generations and reaffirmed the brand’s commitment to offering jewellery that celebrates life’s most cherished moments”.

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