New Delhi, Sept. 1 -- For generations, gold has occupied a unique place in Indian households. Beyond its cultural and emotional value, it has often represented a family's accumulated financial security, passed down through weddings, inheritances, and celebrations. In many joint families, gold jewellery is not viewed as the possession of a single individual alone but as part of a broader household asset pool that may support future financial needs. As lending practices have evolved, this traditional perspective has gradually intersected with modern financial planning, encouraging families to explore whether these assets can assist during temporary liquidity requirements.

The growing interest in gold loans reflects this changing mindset. I...