National News
Rakhi Gifts for Your Sister Under ₹25K from GIVA
Your sister’s been your built-in best friend, your secret-keeper, and sometimes… your biggest critic. But she’s always been yours. This Rakhi, ditch the cliché gifts and surprise her with jewellery that matches her sparkle and your budget.
Introducing GIVA’s Gold-Studded Lab-Grown Diamond Collection – crafted in solid gold and embedded with ethically grown diamonds, these designs are perfect for the sister who loves modern elegance with a hint of sentiment. Under ₹25,000, these picks balance luxe aesthetics and wearable style – timeless gifts for the woman who’s seen you at your worst and still chose to love you.
Gold Dearest Deer Diamond Necklace
A whimsical design that blends innocence and sparkle, this diamond-studded deer pendant is made for the sister who brings out your inner child. Its minimal silhouette and fine detailing make it perfect for daily wear or layering.
Why she’ll love it: It’s dainty, playful, and gold – just like her.
Gold Glowing Sphere Diamond Hoop Earrings
These aren’t your average hoops. With a diamond sphere that catches light at every angle, they’re subtle yet stunning – ideal for the sister who wears her confidence effortlessly.
Why she’ll love it: They go from Zoom calls to dinner dates without skipping a beat.
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Gold Forever Knot Diamond Ring
Symbolising your unbreakable bond, this elegant knot ring is set with sparkling lab-grown diamonds and sculpted in fine gold. A meaningful piece that’s stylish and sentimental.
Why she’ll love it: It’s the promise of forever – in a ring.
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Gold Endless Circle Diamond Bracelet
Classic and contemporary, this diamond bracelet in gold features a circle – representing infinity, wholeness, and sisterhood. It’s lightweight, adjustable, and loaded with love.
Why she’ll love it: It’s sleek, stackable, and seriously special.
Gold Yaprak Diamond Earrings
Inspired by the elegance of falling leaves, these nature-inspired diamond earrings are the perfect gift for a sister with an eye for design. Sculpted in gold and set with lab-grown diamonds, they strike a balance between organic beauty and modern luxury.
Why she’ll love it: Artistic, lightweight, and full of charm – just like her vibe.
Can’t decide on just one? Dive into our complete lab-grown diamond edit crafted in gold – a range full of thoughtful gifts that’ll make her heart skip a beat (and her jewellery box very happy).
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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