India, Aug. 26 -- Introduction

India's Gold Loan industry has witnessed sustained growth as households increasingly turn to gold jewellery to meet short-term liquidity requirements without selling long-held assets. At the same time, the sector has entered a phase of closer regulatory oversight. Over the last few years, and particularly with the Reserve Bank of India's (RBI) strengthened gold loan framework introduced in 2026, lenders have been expected to enhance governance, improve transparency, and standardise operational practices across the lending lifecycle.

These regulatory developments are not intended to discourage gold-backed lending. Rather, they aim to strengthen customer protection, improve risk management, and promote great...