One of the reasons gold backed lending often records stronger growth is the widespread ownership of gold jewellery across Indian households. This behavioural pattern partly explains why gold lending has often remained resilient during phases of market volatility. From a risk management perspective, secured lending backed by physical collateral can offer lenders an additional layer of comfort. Can Gold Lending Continue Outpacing Other Secured Segments? Compared with several other secured products, gold loans often align with short-term liquidity needs and changing economic conditions.