在农村和半城市需求驱动下,到2025年10月,印度的黄金贷款年同比猛增128.5%,达到3.38万亿克。 Indian gold loans surged 128.5% year-on-year to ₹3.38 lakh crore by October 2025, driven by rural and semi-urban demand.

印度的黄金贷款在过去三年里增长了近四倍,其驱动因素是黄金价格上升、贷款金额增加以及半城市和农村借款人需求强劲,他们现在占新零售贷款来源的60%以上。 Gold loans in India have surged nearly fourfold over the past three years, driven by rising gold prices, higher loan amounts, and strong demand from semi-urban and rural borrowers, who now account for over 60% of new retail loan originations. 这一部分有利于快速付款、灵活偿还和低有效利率,已成为银行、小额金融银行和小额融资机构的主要增长引擎,RBI数据显示,到2025年10月,黄金首饰支持的黄金贷款逐年增长128.5%,达到3.38拉赫。 The segment, favored for fast disbursement, flexible repayment, and lower effective interest rates, has become a key growth engine for banks, small finance banks, and microfinance institutions, with RBI data showing a 128.5% year-on-year increase in gold jewellery-backed loans to ₹3.38 lakh crore by October 2025. 尽管在非粮食信贷总额中仍占很小的份额,但其迅速扩展标志着向担保贷款的结构性转变,因为无担保信贷和公司信贷仍然处于低迷状态。 Though still a small share of total non-food credit, its rapid expansion signals a structural shift toward secured lending as unsecured and corporate credit remain subdued.