In Indian households, gold has long been accumulated for centuries as a security measure that can be disposed of and used in difficult times. However, the value of gold as an asset has grown over the years as more ways to monetize and use this asset to fund needs other than those in distress have em...

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Both rural and urban borrowers in India frequently employ gold loans; the terms of these loans frequently vary based on the borrower's requirements and financial situation. Urban consumers utilise gold loans for crises, commercial requirements, or personal liquidity, whereas farmers usually use them for seasonal agricultural costs. This flexible credit instrument offers a safe safety net that cuts across national borders and adjusts to the country's varied economic structure. For millions of people, whether they live in a rural or urban area, it is the most egalitarian way to obtain formal credit since the collateral gold jewellery is widely appreciated.