Gold loans are walk-in and rate-sensitive — customers compare LTV, interest rate, and turnaround across 2-3 nearby branches. The leads here are usually small-business owners and self-employed customers who started at one bank and were either undersized on the LTV or quoted an uncompetitive rate. Deal sizes typically ₹50K–₹10L, repaid within 6-12 months. Volume-heavy product; conversions are quick when the claiming banker can match LTV and turnaround. Especially active in metro Tier-1 and Tier-2 markets.