gold—an asset held close, across households and generations. What is changing is how that relationship is being put to work. Gold is no longer just a store of value. It is increasingly becoming a source of liquidity—used to meet working capital needs, manage short-term cash flows, and navigate periods of uncertainty. Alongside this shift, the system itself is being redefined. With clearer norms on LTV, tighter credit assessment, and stronger borrower safeguards, gold lending is moving from an informal, collateral-led practice to a more structured and disciplined credit product. Access remains. But accountability is being built alongside it. One of India’s oldest financial instruments is quietly becoming more structured, transparent, and accountable.
Continue exploring