New Delhi, May 30 -- As the nation enters a phase of monetary easing, aspirational loan borrowers along with credit card holders are weighing the merits of gold loans versus personal loans to meet their financial aspirations and goals.

The Reserve Bank of India (RBI) reduced the repo rate to 6% in April 2025, post a 25 basis point cut. There is an anticipation of further reductions in the coming months as inflation remains mostly contained and economic growth is slowly stabilising.

This rapidly evolving credit landscape highlights the importance of secured and unsecured loans. Not only this, it becomes equally crucial for aspiring borrowers to understand the difference between credit instruments such as gold loans, personal loans so tha...