July 17, 2025
Financial Assets

Gold loans have all the glitter in retail credit

Gold loans, having doubled through the year, emerged as the fastest-growing consumer credit segment in FY25, outpacing all retail advances, such as housing and vehicles, and even unsecured products such as credit cards and personal loans. Banks’ outstanding credit against gold jewellery logged in at Rs 2.09 lakh crore on March 21, 2025, compared with

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Financial Assets

Unsecured loans and digital risks: RBI and bank officials flag challenges

The banking sector is facing some challenges as unsecured personal loans, digital transformation, and shifting customer ownership models disrupt traditional frameworks. Company Value Change %Change Unsecured loans digital risks RBI bank officials flag challenges Regulatory oversight, declining CASA ratios, and third-party dependencies are putting pressure on banks to rethink their strategies. RBI Deputy Governor M

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