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Gold Loans Power Up Retail Loans by 40% in December 2025

Gold Loans Power Up Retail Loans by 40% in December 2025

Ladies and gentlemen, get ready to rumble! Retail loan disbursals have blasted off by a jaw-dropping 40% in December 2025, thanks to the gold loan juggernaut! With gold loans soaring by 94% to Rs 8.16 trillion, personal loans are back in the game too, bouncing up 34%! Lenders are hunting for the cream of the crop, so keep those credit scores sky-high!

Quick rundown

  1. Retail loan disbursals in India grew 40% in December 2025.
  2. Gold loans are the fastest-growing segment, with a 94% increase.
  3. Public sector banks lead in personal loan recovery with 42% growth.
  4. Over 85% of loans are held by prime borrowers with scores above 700.
  5. Lenders and borrowers should watch for signs of rising leverage.

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