As of November 2025, PSU Banks accounted for nearly 60% of the total gold loan portfolio outstanding, strengthening their leadership position over the past two years. Their growing share reflects a strategic tilt towards secured lending, as banks prioritise strong collateral amid elevated go
The growth, it said, is supported by heightened demand for gold loans, auto loans, and a resurgence in personal loans and credit cards. PSU banks further consolidated their leadership across several major loan categories.