India's credit landscape has evolved considerably over the last decade. Alongside conventional lending products, asset-backed financing has steadily gained prominence among borrowers seeking liquidity without immediately liquidating investments or long-term savings. Economic uncertainty, changing consumer behaviour, and greater awareness of secured borrowing options have contributed to this shift.
Among various forms of collateralised credit, gold-backed lending has emerged as a significant segment. In a country where gold ownership remains widespread across urban and rural households, leveraging existing assets to address temporary financial needs is becoming increasingly common.
