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Retail Loans Skyrocket 40%, Gold Loans Are Back in Style!

Retail Loans Skyrocket 40%, Gold Loans Are Back in Style!

Listen up, folks! Retail loans are soaring—up 40% in December 2025! Why? Because gold loans are on fire, exploding by a mind-blowing 94%! That's Rs 8.16 trillion! Public banks are winning big, and personal loans are back, baby! But stay sharp—watch for those sneaky risks! Keep it classy, keep it gold, and be smart!

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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