Gold jewellery loans have seen a massive 50 percent jump year-on-year, reaching ₹19 lakh crore. This makes it the fastest growing retail loan category. The surge is driven by rising gold prices and a shift in borrowing habits. This growth has boosted the overall retail loan market. Asset quality has also improved with declining delinquency levels across most segments.

India's retail credit growth is driven by a 50% surge in gold loans, reaching ₹170.2 lakh crore in Q4 FY26.

Gold jewellery loans have seen a massive 50 percent jump year-on-year, reaching ₹19 lakh crore. This makes it the fastest growing retail loan category. The surge is driven by…