Quote on Year-End : Gold Loan NBFC Sector Outlook by Mathew Muthoottu, Managing Director, Muthoottu Mini Financiers Ltd
Below the Quote on Year-End : Gold Loan NBFC Sector Outlook by Mathew Muthoottu, Managing Director, Muthoottu Mini Financiers Ltd
“The year 2025 has been a defining period for India’s gold loan industry, driven by rising household liquidity needs, rapid digital adoption, and a growing preference for formal secured credit. With gold prices on an upward trajectory and credit demand strengthening across semi-urban and rural markets, gold loans have continued to stand out as one of the most resilient and trusted financial products in the country.
For Muthoottu Mini Financiers, 2025 has been a year of strong and stable progress. We crossed the ?5,000 crore AUM milestone and delivered robust growth in income and profitability. Our sustained focus on financial inclusion making formal, affordable, and transparent credit accessible to households and micro-entrepreneurs across India, has remained central to our mission. Through responsible lending, branch expansion, and digitally enabled processes, we now serve over 3.5 million customers with greater speed, convenience, and dignity.
The regulatory emphasis on governance, customer protection, and digital empowerment has further strengthened the NBFC landscape. We believe these developments will support long-term sectoral stability and reinforce healthy credit behaviour.
As we step into 2026, we expect gold-backed credit to continue as a preferred financial instrument for households and small businesses, supported by rising economic formalisation and growing trust in organised lenders. Muthoottu Mini remains committed to investing in technology, people, and processes to advance financial inclusion and empower customers across India’s emerging markets.”
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