Gold loans are becoming one of India’s fastest-growing credit options. But when does borrowing against your gold actually make financial sense?
In this episode of Paisa Vaisa, Anupam Gupta speaks with Shripad Jadhav, Head – Bharat Banking Assets, Kotak Mahindra Bank, to understand the rapid growth of gold loans in India and why borrowers are increasingly viewing them as a mainstream credit option rather than a last resort.
Shripad breaks down how a gold loan works, from valuation and documentation to disbursal, interest rates, loan-to-value ratios and repayment structures. He also explains why gold loans are increasingly being used for everything from personal expenses and education to MSME working capital and business needs.
The conversation explores how rising gold values, greater banking penetration, regulation and changing attitudes towards borrowing have transformed the gold loan market. Shripad also discusses the risks borrowers should consider, why keeping an LTV buffer matters, what happens when gold prices fluctuate, and how to choose between a gold loan, personal loan or selling your gold.
If you own gold and have ever wondered whether you should borrow against it, this episode offers a practical guide to understanding the opportunity, costs and risks involved.
From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.
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