New Delhi, June 25 -- Gold loans have emerged as a strategic driver of financial inclusion, outpacing all other credit products and recording 84% growth year-on-year in FY26, according to an Experian report. It has expanded beyond traditional southern markets to Uttar Pradesh, West Bengal, Rajasthan and Maharashtra, it added. The report further said that portfolio quality has also strengthened, with improvement in net delinquencies.

The report, titled 'Gold Loans in Transition: Market Evolution & Consumer Patterns' notes that the product is rapidly evolving into a mainstream option for customers to "unlock the value of household gold".

Manish Jain, Country MD of Experian India in a statement said the rapid growth of gold loans is enabli...