Responsible practices for a resilient sector.
Establishing the framework for self-regulation, ensuring customer protection, and fostering long-term trust in gold-backed credit.
Governance built on transparency and accountability.
A self-regulatory platform publishes its governance in full — its constitution, committees, standards, and grievance redressal mechanisms.
Governance framework
- Tier 01Representation
General Body — member institutions
Gold loan NBFCsBanksFinancial institutions - Tier 02Direction
Board of Directors, including independent directors
Elected directorsIndependent directors - Tier 03Oversight
Standing committees
StandardsEnforcementGrievance redressalResearch - Tier 04Execution
Secretariat & working groups
Compliance officerGrievance officer
Gold-backed lending sits at the centre of India's credit access story.
Gold-backed credit acts as key infrastructure, converting existing household assets into working capital across the formal financial system.
01
Households
A significant share of household savings is held as gold.
02
Financial inclusion
Collateralised lending reaches borrowers underserved by unsecured credit assessment.
03
Credit access
Secured liquidity at a defined loan-to-value, within a common regulatory framework.
04
MSMEs
Working-capital continuity for small enterprises and self-employed livelihoods.
05
Economic activity
Consumption, production and enterprise investment across regional economies.
Expanding access to secured credit across diverse sections of the Indian economy.
Be part of a stronger gold loan ecosystem.
Membership is a commitment to shared standards. Institutions engaged in lending against gold are invited to participate in the Forum's committees and research.
Eligibility, obligations and the application process are published in full on the Membership page.