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India Gold Loan Market to See Huge Growth by 2032

India Gold Loan Market to See Huge Growth by 2032

Report Ocean’s comprehensive analysis of the India Gold Loan Market Report 2023 encompasses a wide array of market facets. These include market characteristics, size and growth prospects, segmentation, breakdowns by region and country, competitive landscape, market shares, prevailing trends, and strategic insights. Notably, the report delves into the impact of the COVID-19 outbreak, as well as contextualizes the analysis with reference to historical events.

Obtain a comprehensive report on the India Gold Loan Market’ (Inclusive of a detailed Table of Contents, over 200 Tables & Figures, and graphical charts). – Encompasses Accurate Insights into the Market Situation before and after the COVID-19 Outbreak, categorized by Region.

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The gold loan market in India was valued at INR 2,921.42 Billion in 2019 and is expected to reach INR 6,275.40 Billion by 2025, expanding at a compound annual growth rate (CAGR) of 12.75% during the 2020-2025 period.

In India, gold is considered to be a sign of social status, financial security and cultural legacy. As of 2019, households in India assembled about 25,000 tons of gold, making the country the largest holder of the yellow metal in the world. Rural communities account for ~65% of the total gold demand in the country. Owing to the sentimental value that Indians associate with this indispensable item, people seldom sell it to meet financial emergencies. They prefer to pledge gold as collateral to secure short-term loans. Gold loans enjoy a relatively low interest rate that varies between 9.5% and 24%, and have a flexible tenure (ranging from a few days to 5 years).

Segment insights:

The Indian gold loan market is segmented into organized gold loan market, also known as formal gold loan market and unorganized gold loan market or the informal gold loan market. The organized gold loan segment includes public banks, private banks, small finance banks, co-operative banks, NBFCs and Nidhi companies. In contrast, the unorganized sector is dominated by money lenders and pawnbrokers.

The unorganized segment accounts for more than 60% of the gold loan market in the country. Nevertheless, the organized sector is anticipated to expand exponentially during the forecast period.

NBFCs constitute the largest share of the organized market. Customers residing in rural parts of the country are gradually switching to these NBFCs, owing to quick loan processing, systematic gold valuation, auctioning and safe-keeping. Banks also offer gold loans, but they primarily consider these as their priority sector lending (PSL) requirements. Further, small finance and Nidhi companies represent the co-operative segment in the Indian gold loan industry, and account for ~12.98% of the organized gold loan market. Private sector banks are gradually entering the Indian gold loan market with tech-driven offerings like online gold loan services.

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Impact of COVID-19:

The Indian gold loan market has witnessed a positive impact on business during the nationwide lockdown due to the Coronavirus pandemic. Gold loan products have experienced rapid growth than other retail banking products during this period. Due to economic distress and job losses, gold is acting as an insurance policy, as well as a retirement plan across India. People are availing gold loans to fulfill their immediate fund requirements.

Moreover, demand for gold loan is further expected to expand as risk profiles of borrowers have depreciated considerably and lenders are becoming risk-averse. Many NBFCs are facing liquidity crisis, which is deteriorating their liquidity capacity. Therefore, gold loans are becoming a fallback plan for borrowers who are denied loan through regular channels.

Companies covered:

Axis Bank of India
Central Bank of India
Federal Bank Limited
HDFC Bank Limited
ICICI Limited
Kotak Mahindra Bank Limited
Manappuram Finance Limited
Muthoot Finance Limited
State Bank of India
Union Bank of India

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Our customized report serves as a valuable resource for businesses and investors, facilitating informed strategic decisions through a comprehensive exploration of vital insights. These insights encompass market size, prevailing business trends, industry framework, market share analysis, and future market projections. What sets our report apart is its meticulous consideration of specific variables.

These variables encompass the COVID-19 containment status, meticulously examined recovery trends in the end-use market, and a detailed timeline for recovery during the years 2020 and 2021. This level of granularity ensures that our report provides a nuanced understanding of market dynamics in the wake of the pandemic, enabling stakeholders to navigate the evolving landscape with enhanced precision.

Report Include:

  • Market Behavior/ Level of Risk and Opportunity
  • End Industry Behavior/ Opportunity Assessment
  • Expected Industry Recovery Timeline

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Each meticulously crafted Report Ocean report spans over 100+ pages, thoughtfully structured with precise tables, charts, and captivating narratives. These tailor-made reports deliver an extensive wealth of information about the market, characterized by a high degree of accuracy.

The report’s scope encompasses an array of critical aspects, including:

Micro and Macro Analysis: A comprehensive assessment of both micro and macroeconomic factors that influence the market’s dynamics.

Competitive Landscape: In-depth analysis of the competitive environment, identifying key players, their strategies, and market positioning.

Regional Dynamics: Examination of how regional variations impact market trends and opportunities.

Operational Landscape: Insight into the operational aspects of the market, including supply chains, distribution networks, and key stakeholders.

Legal Set-up and Regulatory Frameworks: Analysis of the legal and regulatory landscape, highlighting its influence on market dynamics.

Market Sizing and Structuring: Precise quantification and structural understanding of the market’s size and segments.

Profitability and Cost Analysis: Examination of profit margins and cost structures within the market.

Demographic Profiling and Addressable Market: Identification of key demographic segments and the market’s addressable potential.

Existing Marketing Strategies: Exploration of the marketing strategies currently deployed in the market.

Segmentation Analysis of Market: In-depth breakdown of market segments and their characteristics.

Best Practice and GAP Analysis: Examination of industry best practices and identification of gaps.

Leading Market Players and Benchmarking: Evaluation of the dominant market players and benchmarking against industry standards.

Future Market Trends and Opportunities: Insights into anticipated future trends and emerging opportunities within the market.

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The report provides a detailed qualitative analysis of the COVID-19 outbreak impact, encompassing the following aspects:

Market Structure Examination: Thorough investigation into how the market’s structure has been affected by the COVID-19 outbreak, including shifts in supply chains, demand patterns, and overall industry dynamics.

Growth Drivers, Restraints, and Challenges: Identification and assessment of how growth drivers, restraints, and challenges have been influenced by the pandemic, and their impact on market trends.

Emerging Product Trends and Market Opportunities: Exploration of new product trends that have emerged due to changing consumer behaviors and market dynamics, accompanied by opportunities these trends present.

Porter’s Five Forces Analysis: Comprehensive analysis using Porter’s Five Forces model to evaluate the market’s competitive landscape, highlighting factors like bargaining power of suppliers, buyers, competitive rivalry, threat of new entrants, and threat of substitutes.

Driving forces, challenges, key suppliers, and industry trends are covered in-depth. The report’s accuracy is reinforced by an effective SWOT analysis.

Factors Covered in the Report:

Major Strategic Developments: Coverage of significant market developments including R&D, M&A, agreements, new product launches, collaborations, partnerships, joint ventures, and geographical expansion. Prominent industry players operating at both national and international levels are featured.

Key Market Features: Comprehensive assessment of crucial market elements such as revenue, capacity, price, production rate, capacity utilization, consumption, cost, CAGR, import/export, supply/demand, market share, and gross margin. A thorough analysis of important market factors and their recent developments, along with relevant market segments and sub-segments, is documented.

Highlights & Approach: The report employs a range of analytical methodologies, including Porter’s five forces analysis, feasibility studies, SWOT analyses, and ROI analyses, to deeply evaluate the leading market players and their industry standing. These techniques facilitate the examination of market player development.

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Key Highlights from the India Gold Loan Market Report:

Chapter 1: Introduction to the India Gold Loan Market Industry – In this section, the report provides an overview of the India Gold Loan market, including its scope, key players, and market trends.

Chapter 2: Economic Impact on the India Gold Loan Market – An analysis of the economic factors influencing the India Gold Loan market, including growth drivers, challenges, and opportunities.

Chapter 3: Market Competition among Industry Producers – This chapter delves into the competitive landscape of the India Gold Loan market, highlighting key players, their strategies, and market share.

Chapter 4: Productions, Revenue, and Value by Region – A breakdown of production, revenue, and value of the India Gold Loan market across different regions, offering insights into regional dynamics.

Chapter 5: Supplies, Consumption, Export, and Import Analysis – Examining supply and demand factors in the India Gold Loan market, including production, consumption, and trade data on a geographical basis.

Chapter 6: Price Trend and Product Type Analysis – Analyzing the price trends of different product types within the India Gold Loan market and their impact on market dynamics.

Chapter 7: Market Analysis by Application – Exploring the India Gold Loan market based on its applications, highlighting key areas of growth and opportunities.

Chapter 8: Pricing Analysis in the India Gold Loan Market – An in-depth look at pricing strategies employed in the India Gold Loan market, factors affecting pricing decisions, and their implications.

Chapter 9: Market Chain, Sourcing Strategy, and Downstream Buyers – Examining the supply chain dynamics, sourcing strategies, and relationships with downstream buyers in the India Gold Loan market.

Chapter 10: Strategies and Policies by Distributors/Suppliers/Traders – Insights into the strategies and key policies adopted by distributors, suppliers, and traders in the India Gold Loan market.

Chapter 11: Key Marketing Strategies by Market Vendors – Analyzing the marketing strategies employed by key vendors in the India Gold Loan market to promote their products and capture market share.

Chapter 12: Analysis of Market Effect Factors – Exploring the factors that impact the India Gold Loan market, including technological advancements, regulatory changes, and socio-economic trends.

Chapter 13: India Gold Loan Market Forecast – This section provides a forecast for the future of the India Gold Loan market, based on current trends and potential developments.

For a more comprehensive understanding, the report also offers chapter-by-chapter analysis and region-specific reports for North America, Europe, Asia, and more.

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