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Need for cold cash: Gold loans surge ahead of festive season; rising gold prices & lower interest rates add to charm

India Business News: Gold loan companies are experiencing a surge in demand from semiurban and rural areas as the festive season approaches. The recent increase in gold pr

Rush for gold cash amid need for cold cash

Data from the Reserve Bank of India (RBI) show outstanding gold loans at Rs 95,476 crore as on July 28, up 23.1% from a year earlier, a sharp acceleration from the single-digit growth in the preceding 12 months. Earlier this month, RBI doubled the limit on gold loans under the bullet repayment scheme — from Rs 2 lakh to Rs 4 lakh — for urban cooperative banks, subject to conditions. Central bank data show India owns more than 27,000 tonnes or 14% of the worlds gold, of which around 5,300 tonnes is pledged.

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