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Gold loans share in retail credit portfolio has risen 3.8 times from 5.9% in March 2022 to 11.1% by December 2025.
Gold loans' share in retail credit rose from 5.9% in 2022 to 11.1% by December 2025.
KEY POINTS
- Gold loans accounted for 39% of all incremental credit disbursals in the December 2025 quarter.
- Average gold loan ticket size more than doubled from ₹90,000 to ₹1.96 lakh since Q1 2022.
- Prime and above prime borrowers now make up 52% of gold loan originations, up from 43% in 2022.
- Women accounted for 39% of gold loan originations in 2025, up from 36% in 2022.
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