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India gold loans surge to second largest retail credit, average ticket size doubles to 1.96 lakh, high value loans see 1.5 percent delinquency, women now 39 percent of borrowers
Akshaya Tritiya 2026
High ticket size gold loan has seen a significant rise in recent times in India, but also spiked the risk of delinquency, according to a report of TransUnion CIBIL’s Gold Loan Landscape Report ahead of the auspicious festival Akshaya Tritiya 2026.
The average ticket size for gold loan has risen sharply from Rs 90,000 in Q1 2022 to Rs 1.96 lakh in Q4 2025, the report said.
The delinquency rate for borrowers with a gold loan amount surpassing Rs 2.5 lakh remains around 1.5 per cent, reflecting a 2.2 times higher rate than that of borrowers with lower exposure, at 0.7 per cent.
The delinquency rate tells the percentage of loans where borrowers fail to pay on time.
Gold Loans Now Second-Largest Retail Credit Product
Gold loans have become India’s second-largest retail credit product, according to the report. Its share in retail credit rose from 5.9 per cent to 11.1 per cent by December 2025.
One of the key trends in the gold loan story is the rising participation of women borrowers, who are now accounted for 39 per cent by volume in 2025, up 36 per cent in 2022. The report says the trend can be seen not only in southern markets but also across western and northern states, with new geographical pockets like Rajasthan, Uttar Pradesh, Gujarat, Maharashtra and Madhya Pradesh.
Rise In Average Outstanding Amount
The report also points to changing borrower leverage patterns. The average outstanding amount per borrower rose from Rs 1.9 lakh in December 2022 to Rs 3.1 lakh in December 2025, while the number of borrowers with gold loan exposure above Rs 2.5 lakh increased to 14% of total borrowers at the end of 2025, up from 10% in 2022. Borrowers with higher existing balances and greater unsecured exposure have also become more prominent at origination, indicating that gold loans are increasingly sitting alongside other forms of credit in borrower wallets.
April 15, 2026, 11:30 AM IST
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