Hyderabad: Bharat mein gold loan ki market tezi se barh rahi hai. NBFCs ka gold loan bqaya September 2025 tak 14.5 lakh crore rupay tak pohanch gaya. ICRA ki report ke mutabiq yeh number pichhle saal se 36% zyada tha. Agar yeh trend jaari raha, to March 2026 tak yeh figure 15 lakh crore se cross ho sakta hai.
Gold prices aur loan restrictions ka asar
Gold market ke boom ke peeche do bade factors hain. Pehla, sone ki qeemat tezi se barhi. 2025 mein prices mein lagbhag 60% izafa hua. Isi wajah se gharilon, kisano aur small businesses ne jaldi loan lene ke liye gold girvi rakhna pasand kiya.
Doosra factor unsecured loans par lagayi gayi pabandiyan hain. Microfinance companies ne unsecured lending kam kar di. Consequently, log secured gold loans ki taraf aaye.
NBFCs ki loan policy aur demand
NBFCs ne is nayi demand ko dekh kar loan value barha di. Ab woh gold ki value ka 70–80% tak loan de rahe hain. Is se demand mein tez izafa hua. ICRA ka kehna hai ke agle financial year mein gold loans mein 30–35% aur growth ho sakti hai.
Countrywide expansion plans
Badhti hui demand ko dekh kar NBFCs ne aggressive expansion plan banaya. 2026 mein lagbhag 3,000 naye branches kholne ka program hai. Muthoot Finance, Bajaj Finance aur IIFL Finance 1,800 se zyada branches kholenge.
Iske alawa, L&T Finance aur Poonawalla Fincorp bhi tezi se expansion kar rahe hain. Furthermore, reports ke mutabiq Jio Finance bhi jald is market mein enter kar sakta hai.
Sector ke future prospects
Sone ki mazboot qeemat aur loan activity ne badi financial companies ke expansion ko taqat di. Therefore, experts ko is sector mein mazeed growth ki umeed hai.
