Silver Is A Legit Collateral Now. But Don't Get Your Hopes Up :-)
On June 6, 2025, the RBI issued the Lending Against Gold and Silver Collateral Directions, 2025, and gave every bank, co-operative bank, NBFC and housing finance company until April 1, 2026 to comply.
Nitin Misra
26 Jun 2026
Consumption Loans
Learn how gold loans can be used as consumption loans to cover household expenses, medical emergencies, education, travel, and other short-term financial needs.
Indiagold team
25 Jun 2026
Income Generating Loans
Learn how gold loans can support income-generating activities like business expansion, working capital, inventory purchases, and agricultural financing.
Indiagold team
25 Jun 2026
RBI Guideline and how it impacts the users
Learn about RBI gold loan guidelines, including LTV limits, gold valuation rules, auction norms, KYC requirements, and how these regulations impact borrowers in India.
Indiagold team
25 Jun 2026
Who runs India's lending stack: fintech vs legacy?
A software-share map across ~124 banks and ~508 large NBFCs.
Nitin Misra
3 Jun 2026
Stridhan Was Always Hers. Now It's Working for Her.
At indiagold, roughly one in three of our borrowers is a woman.
Nitin Misra
15 May 2026
The Gold Loan Market Is Growing. The Gold Isn't Moving.
Gold loan companies in India (including indiagold) are trying their best to innovate gold loans.
Nitin Misra
11 May 2026
300,000 branches needed to serve gold loan demand
The organised gold lending sector has grown rapidly
Nitin Misra
5 May 2026
India Trusts Its Gold. Its Gold Lenders Don't.
A practical guide to how gold is actually tested in India’s gold loan industry.
Nitin Misra
1 May 2026
India's Gold Problem Has Two Very Different Solutions.
We Keep Confusing Them.
Nitin Misra
28 Apr 2026
The Math Behind RBI’s New Gold Loan Rules
Why Bullet Schemes Face a Reckoning
Nitin Misra
17 Apr 2026
Bullet Repayment Explained for Gold Loan Borrowers
Understand bullet repayment in gold loans—how it works, benefits, risks, and who should choose it over EMI for short-term borrowing needs.
Indiagold team
16 Apr 2026
Gold Loan For Higher Education A Smart Choice
Explore how gold loans can fund higher education with quick disbursal, low interest rates, minimal documents, and flexible repayment options.
Indiagold team
16 Apr 2026
You can’t underwrite someone who doesn’t exist...
The answer has been sitting in their homes for centuries.
Nitin Misra
14 Apr 2026
The Partnership That Can Kill You: Concentration Risk in Indian Fintech
There's a specific kind of confidence that comes with landing a big partnership.
Nitin Misra
10 Apr 2026
Gold Prices, Demand & Structural Risk
Gold loan AUM growth is price-driven, not a demand signal. Credit demand stays resilient through price cycles, just pledge more gold. The 2025 RBI framework fixes the compliance gaps that caused FY24 stress.
Nitin Misra
7 Apr 2026
Are Doorstep Gold Loans Less Safe Than Branch Loans? The Data Says Otherwise.
A stage-by-stage examination of security controls in technology-enabled doorstep gold lending versus the traditional branch model
Nitin Misra
1 Apr 2026
“𝗚𝗼𝗹𝗱 𝗹𝗼𝗮𝗻𝘀 𝗮𝗿𝗲 𝗮 𝗹𝗮𝘀𝘁-𝗿𝗲𝘀𝗼𝗿𝘁 𝗽𝗿𝗼𝗱𝘂𝗰𝘁.”
Forget anecdotes—here’s what the data indicates.
Nitin Misra
16 Mar 2026
Why Millennials Should Opt Gold Loans Fund Personal Needs
Discover why millennials should opt for gold loans—quick funds, lower interest rates, minimal paperwork, and flexible repayment for personal and emergency needs.
Indiagold team
12 Mar 2026
What Are Procedure Merits And Demerits Gold Loan
Discover why gold loans are inexpensive—lower interest rates, minimal documentation, high LTV, quick disbursal, and flexible repayment options.
Indiagold team
12 Mar 2026
Reasons Why Gold Loan Inexpensive
Discover why gold loans are inexpensive—lower interest rates, minimal documentation, high LTV, quick disbursal, and flexible repayment options.
Indiagold team
12 Mar 2026
Online Gold Loan (OGL) Concept & App
Explore the Online Gold Loan (OGL) concept and app features—digital application, quick disbursal, secure gold storage, flexible repayment, and RBI compliance.
Indiagold team
12 Mar 2026
Dont Ignore Gold Investment Option
Don’t ignore gold investment options. Learn how gold hedges inflation, diversifies portfolios, and offers stability through physical, ETFs, SGBs & digital gold.
Indiagold team
12 Mar 2026
A Camera and a Model
When people ask me what could be the “UPI moment” for gold loans, I keep coming back to a very unglamorous constraint:
Nitin Misra
11 Mar 2026
₹8.1 Lakh Crore Stuck in Delayed Payments
₹8.1 Lakh Crore Stuck in Delayed Payments: Why Gold Loans Are the Working Capital Solution MSMEs Need
Nitin Misra
6 Mar 2026
Why High-LTV Gold Lending Isn't About Risk Appetite. It's About Risk Architecture.
Why High-LTV Gold Lending Isn't About Risk Appetite. It's About Risk Architecture.
Nitin Misra
3 Mar 2026
The Scheduling Algorithm That's Redefining Gold Loan Operations in India
indiagold combines the trust of a Gold Loan Branch with the speed of Quick Commerce
Nitin Misra
26 Feb 2026
