New Delhi, July 5 -- Indians unlocked more from the sharp rise in gold prices, with the average ticket size of gold loans jumping 39% year-on-year (YoY) to Rs.1.96 lakh in 2025-26 (FY26). The average ticket size has doubled in just three years (from Rs.98,000 in FY23 to Rs.1.96 lakh in FY26).

Gold loans are shifting toward higher ticket sizes across the board, with high gold prices driving the rapid growth in sourcing value. While the gold price index surged 144% over two years (between March 2024 and March 2026), gold loan sanction amounts soared by 200% over the same period.

As the underlying asset becomes more valuable due to rising prices, borrowers can take on larger loan amounts against the same gold holdings. This is clearly refl...