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This indicates meaningfully higher credit risk for lenders at elevated exposure levels, the credit information company said.
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Data showed that borrowers with more than Rs 2.5 lakh outstanding have shown a delinquency incidence of 1.5%, about 2.2 times higher than that of borrowers with lower exposure. Meanwhile, about 48% of the total borrowers have gold loans outstanding more than Rs 2.5 lakh indicating a growing tilt towards higher borrower leverage.
About 46% of borrowers with more than Rs 2.5 lakh outstanding have more than five loans and they are more prone to default, the credit bureau report said.
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“As the gold loan segment expands, lenders’ priority must be to balance growth with prudence,” TransUnion CIBIL managing director Bhavesh Jain said.
“Collateral strength remains important, but it cannot be the sole criterion for evaluating borrowers. Lenders will need to assess total borrower indebtedness, repayment capacity, recent credit behaviour and cross-lender exposure more holistically,” he said.
The report suggested that borrowers with a history of serious delinquency who subsequently rely on gold loans face a significantly higher risk of disengagement from the formal credit system. Their credit-access closure rate was around 1.6 times higher than that of non-defaulting borrowers, suggesting that for a section of stressed borrowers, gold loans may increasingly be functioning as a product of last resort.
Gold loans, the second biggest retail loan after housing finance, now account for 11% of India’s retail credit portfolio at the end of December 2025, up from 5.9% in March 2022, the data showed. Origination value has risen 5.1 times since April 2022 while average ticket size has more than doubled to Rs 1.96 lakh from Rs 90,000 over the same period.
The growth reflects rising borrower adoption, higher ticket sizes, broader lender participation, and a borrower profile that increasingly includes consumers and women borrowers with more extensive credit histories, the report said.
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