Recent trends in Gold loan

  • Gold Loan
  • 8 Months ago
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Recent trends in Gold loan

Recent Trends in Gold Loan

Gold has always been a highly-valued commodity in India. It is considered auspicious and a symbol of prosperity. Apart from that, gold has excellent investment value. It accounts for a considerable proportion of savings in Indian households, along with an emotional attachment.

Gold has always been a pillar of strength in Indian households, as a symbol of prosperity in good times and as a source of funds in turbulent times.

Gold liquidation might be one solution during a financial crisis but is not always a happy one due to the emotional attachment it carries. Besides, liquidation during unforeseen circumstances might not fetch you the best rates.

For such situations, the gold loan has emerged as one of the most popular loan products these days, owing to its hassle-free and fast processing nature. It is one handy way to use your gold to fetch cash for immediate use and keep your gold in the lender's safe custody. These are just a few of the many benefits gold loan has over other kinds of loans.

Here are the 7 trends in gold loan you may have missed:

  1. Post the first wave of the pandemic, with the ease of lockdown restrictions and rebound in economic activity, demand for gold loans has gone up, especially from micro-enterprises and individuals, to fund working capital and personal requirements.

    The pandemic has adversely impacted businesses all over the world. These businesses are trying to get back on track, for which gold loans are the easiest option available owing to their hassle-free nature. Also, gold loans do not require any credit check.

    Another reason for the increase in the gold loan book size is the rising number of start-ups and self-employed ventures. Since a gold loan requires less paperwork, people prefer to raise funds for new businesses.

  2. Gold loans do not have an NPA and have an interest rate of 7.5%.

    *Since lenders hold physical gold with them, there is no chance of the gold turning into NPA**. In the case of non-repayment, the gold can be auctioned to cover the losses. Moreover, lenders can provide more support to their borrowers due to less paperwork and other requirements. Owing to the ease of disbursal and a low-interest rate, gold loan demand has been seeing a rising curve and is expected to shoot up further in the days to come.

  3. Gold prices significantly affect gold loans. In the first quarter of 2021, gold prices in India were down almost 12%.* This triggered a change in the LTV ** of the existing loans. To match it, lenders had to renew the existing loans, thus causing a lot of rework and pressure. It resulted in a decline in gold loan disbursals.

    Let's consider this example: For gold worth Rs. 1 lac, banks would have issued a loan of up 90%, i.e., Rs. 90,000/-. When the gold prices dropped 12%, the same gold's monetary value came down to Rs. 88,000/- against which the bank has already issued a loan of Rs. 90,000/-. Therefore, banks had to renew the loans to align with these changes.

  4. LTV is another variable that directly impacts gold loans. Till the first quarter of 2021, the RBI had allowed an LTV of 90%.

    In simple terms, for gold of value Rs 1 lac, Rs. 90,000 can be granted as a loan against it. However, the RBI changed its norms in April 2021 and decided on an LTV of 75%. This put pressure on banks to rework their existing loans and match the LTV.

  5. Apart from its hassle-free nature, the skyrocketing price of gold has made gold loans more popular in recent times. With higher gold prices, borrowers can now get more loans against their gold, and are thus switching to gold loans.
  6. The gold loan market is expected to rise further till the end of 2022. Since 2019, gold loan companies, banks or NBFCs, have expanded aggressively to penetrate deeper into every market segment. The introduction of online platforms and digital models in the gold loan segment has opened up many untapped streams.
  7. Of late, NBFCs have grown as a significant contributor to the gold loan segment. They have become a primary choice for gold loans among borrowers owing to lesser regulations and faster loan disbursals.

    Historically, these firms have also seen negligible losses related to gold loans. This is owing to their robust risk management practises like periodic interest collection and timely auction of gold.

    Owing to their rising popularity as a gold loan lender, NBFCs are further estimated to record significant AUM (Assets under management) growth in the days to come.

Conclusion

At Shriram City Union Finance, we have implemented cutting-edge technology and robust practises to ensure you can avail a gold loan in less than a few minutes, completely hassle-free.

Here are the features of our loan:

  • Up to 75% value of the market price
  • Easy documentation
  • Interest rate starts from 11.5%
  • Loan within a day
  • Easy repayment
  • Easy renewal

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Why Is a Good CIBIL Score Vital For Achieving Business Goals?

  • Aug 02 2021
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  • Business Loans

What are the differences between two wheeler loan vs personal loan?

  • Jul 27 2021
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  • Two Wheeler Loans

Reasons and Benefits of Owning a Two Wheeler in City

  • Jul 28 2021
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  • Two Wheeler Loans

What are the Opportunities for AI in the Financial Sector?

  • Aug 17 2021
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  • Loans

AI Resolution In Lending: Hype Or Reality?

  • Aug 17 2021
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  • Two Wheeler Loans

How is new technology helping NBFCs evolve?

  • Aug 18 2021
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  • Loans

How AI Helps Lenders Assess Loan Seekers With No Credit Score?

  • Aug 26 2021
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  • Loans

What is your money worth: A blog about understanding FDs and how you can make the most of them

  • Sep 03 2021
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  • Fixed Deposit

How to keep your FD money safe through the best investment ideas

  • Sep 07 2021
  • |
  • Fixed Deposit

How to Plan and Save for a Baby: A blog on how to save for a baby's future

  • Sep 07 2021
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  • Fixed Deposit

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
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  • Two Wheeler Loans

Choosing the Right NBFC for Your FD: A blog discussing how to choose the best NBFC's for FD

  • Sep 08 2021
  • |
  • Fixed Deposit

Financial Tips for New Drivers: A Blog About the Financial Tips You Should Consider Because You are a New Driver

  • Sep 09 2021
  • |
  • Fixed Deposit

How to Save Money on your Budget | How to Build Financial Capital in a Small Town

  • Sep 09 2021
  • |
  • Fixed Deposit

How do Loan Approvals Work for Two Wheelers?

  • Oct 21 2021
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  • Two Wheeler Loans

How can Investments in Fixed Deposits Help for Retirement?

  • Oct 21 2021
  • |
  • Fixed Deposit

Comparing Other Investments methods to Fixed Deposits

  • Oct 22 2021
  • |
  • Fixed Deposit

Current Fixed Deposit Interest Rates - 2021

  • Oct 25 2021
  • |
  • Fixed Deposit

Extensive Guide for Choosing a Fixed Deposit with the Best Interest Rates

  • Nov 27 2021
  • |
  • Fixed Deposit

How Do Fixed Deposits Promote Senior Citizen Welfare

  • Nov 27 2021
  • |
  • Fixed Deposit

How flexi recurring deposit offers complete flexibility

  • Nov 30 2021
  • |
  • Recurring Deposit

How can Students Apply for Two-Wheeler Loans in India?

  • Dec 01 2021
  • |
  • Two Wheeler Loans

How are Fixed Deposits beneficial for Trust and Foundations

  • Dec 01 2021
  • |
  • Fixed Deposit

How to Optimise Your Investments in Fixed Deposits

  • Dec 02 2021
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  • Fixed Deposit

Simple Bike Financing with Zero Down Payment

  • Dec 03 2021
  • |
  • Gold Loan,Loans

The Only Guide You Need To Getting A Loan Against Gold Jewellery

  • Dec 04 2021
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  • Gold Loan

How to choose your business loan online based on interest rates

  • Dec 07 2021
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  • Business Loans

Important Criteria to be Aware of Before Applying for a Business Loan

  • Dec 08 2021
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  • Business Loans

Why are SME Loans Crucial for Your Company's Growth?

  • Jan 20 2022
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  • Business Loans

10 Things To Know About Two Wheeler Loans Post Pandemic

  • Jan 20 2022
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  • Two Wheeler Loans

How to Buy Gold Loans on a Low Budget

  • Jan 21 2022
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  • Gold Loan

10 Things Your Kids Don't Know About Recurring Deposits

  • Jan 21 2022
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  • Recurring Deposit

How To Get More Results out of Your SME Loan?

  • Jan 24 2022
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  • Business Loans

11 Ways to Completely maximise your business with the help of Shriram city business Loan

  • Feb 02 2022
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  • Business Loans

7 Up-and-Coming Trends About Recurring Deposit

  • Feb 04 2022
  • |
  • Recurring Deposit

Why You Should invest More Time on Recurring Deposit

  • Feb 05 2022
  • |
  • Recurring Deposit

Recurring Deposit : Expectations vs. Reality

  • Feb 05 2022
  • |
  • Recurring Deposit

10 Reasons As To Why You Should Take A Two Wheeler Loan

  • Feb 07 2022
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  • Two Wheeler Loans

Gold Loan: Expectations Vs. Reality

  • Feb 08 2022
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  • Gold Loan

Why It's Easier to Succeed With business Loan Than You Might Think?

  • Feb 09 2022
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  • Business Loans

Business loans: Expectation vs Reality

  • Feb 09 2022
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  • Business Loans