National News
Rapid Growth In Gold Loan Merits Continued Vigilance: RBI FSR
The Report Cautioned That A Prolonged Correction In Gold Prices Could Weaken Collateral Protection
The rapid growth in lending against gold collateral amid elevated gold price volatility merits continued vigilance, even as asset impairment risks remain contained and LTV (loan-to-value) ratios provide comfortable cushion, according to the RBI’s Financial Stability Report (FSR).
Since March 2024, gold loans have grown at a staggering 42.4% annually (CAGR). To put that into perspective, other non-housing retail loans only grew at about half that speed (23%). Overall, the gold loan portfolio of lenders rose 54.5 per cent year-on-year (y-o-y) as of March-end 2026.
Both regular banks and NBFCs (Non-Banking Financial Companies) have been aggressively handing out these loans because gold prices have been so high. When gold is worth more, your gold jewelry can suddenly fetch you a much bigger loan.
FSR assessed that the recent increase in gold loans is driven primarily by existing borrowers, who are using higher gold prices to secure larger loans and roll over existing debt, as indicated by the gap between fresh originations and loan outstanding.
The report cautioned that a prolonged correction in gold prices could weaken collateral protection, increase borrower stress and result in higher delinquencies. Gold loans include agriculture gold loans that are offered against the collateral security of gold jewellery, ornaments and coins.
Right now, the situation is stable, and banks aren’t losing money yet. But the RBI is reminding lenders not to get blinded by the current gold rush. If gold prices take a tumble, a lot of these seemingly “safe” loans could turn into a major headache for the financial system.
National News
Senco Celebrates The Moments That Make Every Day Special With Its New ‘Halke Phulke Moments’ Campaign
Inspired By Senco Gold & Diamonds’ Lightweight Jewellery Collections, The Campaign Celebrates Jewellery That’s Effortless To Wear and Meaningful Enough For Every Day.
Life can get heavy. Deadlines pile up, calendars stay full and routines rarely slow down. But in the middle of it all are the halke phulke moments that make every day brighter—a coffee break that turns into a long conversation, ticking off a long to-do list, receiving an unexpected compliment, a spontaneous dinner plan, dressing up simply because it feels good, or celebrating a birthday, promotion, anniversary or personal milestone. Big or small, planned or spontaneous, these are the moments that make life meaningful.
Inspired by this thought, Senco Gold & Diamonds introduces ‘Halke Phulke Moments’, a campaign that celebrates making space for everyday joy through its lightweight jewellery collections. This includes the brand’s signature lightweight range, alongside thoughtfully crafted jewellery in 9KT, 14KT and 18KT gold. The campaign encourages people to embrace jewellery as part of everyday living—not something you save for special occasions, but something you wear while creating them.



Designed for contemporary lifestyles, the collections combine effortless wearability, refined craftsmanship, and modern design. Featuring versatile chains, pendants, earrings, rings, bracelets, bangles, necklaces, mangalsutras, and other everyday essentials, each piece is created to transition seamlessly from workdays to weekends, coffee catchups to celebrations, adding just the right touch of sparkle without ever feeling occasion-bound.


Because when life gets heavy, it’s the halke phulke moments that deserve to shine. Whether it’s dressing up simply because it lifts your mood, celebrating a personal achievement, reconnecting with loved ones, or embracing the little moments that make every day memorable, lightweight jewellery becomes more than an accessory—it becomes part of your story, making the everyday feel just a little more special.
Speaking about the campaign, Joita Sen, Director and Head of Marketing & Design, Senco Gold & Diamonds, said:
“Life doesn’t slow down, but it gives us countless reasons to smile every single day. ‘Halke Phulke Moments’ is about embracing those little pockets of joy that make life feel lighter and celebrating the everyday. Through our lightweight jewellery collections across 9KT, 14KT and 18KT gold, we’ve created pieces that become a natural part of your daily life, from morning meetings and coffee catch-ups to celebrations with loved ones.

Whether it’s your favourite pair of earrings, a pendant that holds a special memory, a bracelet you wear every day or a ring you never take off, these pieces are designed to move effortlessly with you. They are versatile, easy to wear, and a reminder that while jewellery can feel beautifully light, the memories and emotions it becomes part of are truly priceless.”
As consumers increasingly embrace jewellery as an extension of personal style rather than something reserved only for festive occasions, lightweight designs have become an essential part of the modern wardrobe. Versatility, comfort, and timeless design now sit alongside craftsmanship, allowing jewellery to transition effortlessly from everyday routines to life’s celebrations.
With ‘Halke Phulke Moments’, Senco celebrates the conversations, routines, milestones, and spontaneous joys that quietly make life beautiful. Because life’s most memorable moments aren’t always the loudest—they’re often the ones woven into our everyday. And those moments deserve to be celebrated every single day.
The lightweight collections, with select designs across 9KT, 14KT, and lightweight 18KT gold, are available in an extensive range of chains, pendants, earrings, rings, bracelets, bangles, necklaces, mangalsutras, and more across Senco Gold & Diamonds showrooms, app, and website.
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