Gold loans in India have seen a significant surge, growing nearly four-fold in the last three years, according to reports from the BFSI Conference 2025. This growth is driven by rising gold prices, increased demand from semi-urban and rural areas where gold is a preferred collateral, and faster, more flexible loan options compared to unsecured credit. Financial institutions are increasingly viewing gold loans as a stable balance sheet component and a key growth area, with plans to expand distribution.