MAM
Mobile third largest ad medium; may grow to Rs 10,000 cr by ’18
MUMBAI: The Mobile Marketing Association (MMA), in association with GroupM, one of India’s largest media and marketing conglomerate, has released a report on the mobile marketing ecosystem in India. Called the ‘Mobile Ecosystem and Sizing Report’, this report states that the mobile medium is the third largest mass media in India in terms of ad spends, after television and print. The ad spends on mobile media is estimated to be Rs. 4200 crore by the end of 2016, and is expected to grow to Rs. 10,000 crore by end of 2018.
The report is an endeavour to decode the burgeoning Indian mobile market in terms of reach of the medium, rural-urban divide in-terms of usage habits and increasing mobile data usage. The report takes into account the mobile service providers and handset manufacturers ecosystem as well. It is a collaborative effort by the marketing and mobile industry, championed by the research team at GroupM India.
The growing use of mobile in rural media-dark markets has made brand marketers look at increasing their ad spends on mobile marketing. While spends are increasing, organizations are still evolving in terms of familiarity with mobile marketing. Industry sectors such as e-commerce and BFSI are leading the way in mobile advertising, while sectors such as FMCG are now going beyond the SMS and IVR-based mobile solutions The report also brings in perspective on the role of local language in enabling the next spurt of growth in rural India.
CVL Srinivas, CEO, GroupM South Asiasaid, “It is clear that brands cannot ignore the power of the small screen. It may be the third largest (after TV and print) in terms of ad spends but is by far the leader in terms of time spent and consumer engagement.”
PepsiCo India Holdings chairman and CEO, D Shivakumar, said, “MMA felt there was a distinct need for a single comprehensive report that covers the mobile marketing ecosystem in India and provides insights to marketers to help them make sharper decisions.”
“Marketers are aware that mobile is arguably the closest you can get to the consumer with its powerful promise of ‘immediacy’. The consumer is getting steadily used to everything in the ‘now’ with regards to content, commerce, information or utilitarian. This very concept has transformed the mobile into a tool of action and transaction,” said Mobile Marketing Association India manager, Preeti Desai.
2015 has been a good year for mobile subscriber growth in India. Over 60 million new mobile subscribers were added since the start of year, at an average 5 million subscribers added every month. This was a 20% growth in comparison to 2014. Research has found that in the last 5 years, rural tele-density in India has increased by 60%; rural mobile internet subscriber saw a 90% YOY growth in 2015 and they are using the internet primarily with their mobile phones.
In terms of usage, the report clearly states the varied usage patterns between urban and rural consumers. While urban consumers are adopting 3G and 4G technology at a much faster rate, the growth spurt in new technology and smartphone penetration is coming from the Tier 2, Tier 3 and rural markets. There is a high demand for affordable smartphones in rural markets, as mobile phones are replacing or supplementing TV as an important entertainment and marketing medium, alongside other traditional communication methods. Handset manufacturers are also looking at developing distribution channels to meet this high demand and thus as seen in the report, eTailers are gaining significance where 29% of smartphone purchases in 2015 happened via e-commerce channels.
This increase in higher speed data penetration along with growth in smartphones will lead to data driven marketing. It is also reported that traditional TV players are getting more vertical with OTT driving the case for mobile as the stronger secondary screen. [Leading video publishers have seen watch-time in India grew 80% over the last one year, of which 55% of the watch time was on mobile. 90% content upload on these services was from mobile as well]. All this could mean that Native and Video formats are set to dominate mobile marketing in the years to come. Consumers look at Native ads 53% more often than they look at traditional mobile display ad. Also, mobile based audio and video streaming apps provide measurable reach, with 100+ million monthly active user base in India according to the report.
MMA’s objective through this report is to give the readers a comprehensive view of the mobile marketing ecosystem in India and the various factors that influence it like the various mobile marketing channels, the mobile marketing landscape and the growing subscriber, internet and app user base. It also highlights some of the case studies that readers of the report can leverage to better understand the medium from a marketing perspective. Going forward, MMA also plans to follow up with a second report that will deep dive on topics like use of location and other signals on mobile for predictive analytics and intelligence and mobile measurability.
Gold has evolved from a traditional family heritage to one of the most effective instruments for high-speed liquidity in the rapidly changing financial world of 2026. With 22K gold prices remaining stable at ₹14,440 per gram and 24K gold hitting ₹15,752 per gram as of February 21, 2026, the Indian gold market is seeing a historic increase. A rather small quantity of jewels can now unleash significant cash due to their increased worth.
Finding the best gold loan, however, takes more than simply visiting the closest branch because there are several banks and NBFCs (Non-Banking Financial Companies) vying for your business. It necessitates a strategic grasp of how lenders set their product prices. The cost of borrowing in 2026 is no longer a “one-size-fits-all” number; rather, it is a variable that depends on your loan amount, the state of the market, and particular regulation slabs. You may make sure that you leverage your gold holdings at the best gold loan interest rates by taking a methodical approach.
Recognise the Tiered LTV Framework for 2026
The Reserve Bank of India’s (RBI) introduction of tiered Loan-to-Value (LTV) criteria is one of the biggest changes. Depending on your unique financial needs, this policy directly affects which lender can provide you with the best gold loan.
The LTV limitations for 2026 are set up as follows:
- Loans up to ₹2.5 Lakh: 85% LTV eligibility
- Loans up to 80% LTV are eligible for those between ₹2.5 Lakh and ₹5 Lakh
- Loans over ₹5 lakh are eligible for up to 75% LTV
You must match your borrowing with these levels to determine the lowest gold loan interest rate. Because there is less risk involved, a lender may frequently give a cheaper rate for a 75% LTV plan than for an 85% LTV plan. Choosing a lower LTV bracket is a tried-and-true method to get the finest gold loan conditions if you don’t require the highest amount of cash on hand.
Compare the Offerings of Banks and NBFCs
The best gold loan is determined by your preference for quickness or cheaper cost. The service and pricing differences between ordinary banks and specialised gold lending NBFCs have grown.
Public and Private Banks: The interest rates on gold loans offered by public and private banks are often the lowest on the market, frequently beginning as low as 8.75% to 9.50% annually. Borrowers seeking a long-term or overdraft-like facility who already have a savings account will find it appropriate.
NBFCs: They are the industry leader in offering a genuine, rapid gold loan experience, even if their interest rates may be a little higher than those of banks. They are frequently the best gold loan option for urgent needs when speed surpasses a 1% yearly cost difference, thanks to doorstep services and quick disbursals.
Make Use of Purity’s Power
The most potent “multiplier” in your loan computation is the karat of your jewellery. Lenders have shifted to highly standardised assaying procedures. Declaring high-purity materials helps you get a higher valuation and a better loan amount.
Make sure you are offering hallmarked jewels in order to receive the best gold loan. Because the collateral risk is essentially zero, hallmarked gold (BIS 916) lowers the lender’s uncertainty during appraisal and frequently enables them to provide a more alluring gold loan interest profile.
Consider the Mode of Repayment
The best gold loan is one that doesn’t negatively impact your monthly cash flow. Below are a few repayment options you may consider:
- Bullet Repayment: At the conclusion of the term, which is usually 12 months, you pay the whole amount. Although the cumulative interest cost of the gold loan may be somewhat greater, this is great for short-term liquidity.
- Monthly Interest Payment: You just pay the interest each month; the principal is paid at the end. As a result, the monthly burden is minimal.
- EMI (Principal + Interest): The most organised approach to loan closure is through EMI (principal + interest), which progressively lowers your principal and, as a result, your overall interest expense.
Use a computerised gold loan calculator to determine which option delivers the biggest savings before you sign the contract. Even a 0.5% change in the repayment schedule might save you thousands of rupees on a big loan in the expensive year of 2026.
Be Aware of Unexpected Fees and Penalties
High administrative costs can occasionally be concealed by a low headline interest rate on gold loans. Searching for the finest gold loan requires you to consider the “Total Cost of Credit.”
- Processing costs: For loans up to ₹3 lakh in 2026, several banks provide “Nil” processing costs.
- Make sure valuation fees are clear and do not represent a portion of the loan balance.
- Prepayment and Foreclosure Penalties: You shouldn’t have to pay a large penalty if you decide to end your gold loan early.
- Late Payment Fees: Examine gold loan interest “steps up” if you fail to make a payment. Some lenders charge 2% monthly punitive interest on the past-due balance, which can easily get out of hand.
Conclusion
Finding the greatest gold loan in 2026 requires striking a balance between the historic worth of your gold, i.e., ₹14,440 per gram, and a lender who understands your desire for quickness and transparency. You may make sure that your gold is a bridge to your financial objectives rather than a burden by comparing the tiered LTV brackets and selecting a repayment schedule that corresponds with your income. The knowledgeable borrower usually prevails in a market where gold loan interest rates are more competitive than ever. Spend some time evaluating at least three lenders, confirming that they are in accordance with the RBI as of 2026, and confidently discovering the actual worth of your assets.
FAQs
How much can I borrow in gold today, per gram?
The maximum credit amount for loans under ₹2.5 lakh (85% LTV) is around ₹12,274 per gram as of February 21, 2026, when 22K gold is valued at ₹14,440 per gram. Make sure your decorations are made of pure gold with minimal stone deductions to receive the greatest gold loan value.
Does my gold loan interest rate depend on my credit score?
In general, no. The majority of lenders offering a quick gold loan do not significantly rely on your CIBIL score because it is a secured loan. However, with certain private banks in 2026, having a solid credit history might help you get greater loan amounts or “preferred” gold loan interest rates.
How can I figure out how much interest is due on a gold loan?
The straightforward calculation is as follows: Principal x Annual Rate x Tenure (in years). Many lenders include a best gold loan calculator on their smartphones for a more accurate 2026 figure. This tool automatically adjusts for your selected repayment method and particular LTV tier.
In 2026, would I be able to obtain a gold loan for 18K jewellery?
Yes, most lenders accept 18K gold. However, the interest rate on the gold loan and the value per gram will be different because the purity is 75% as opposed to 91.6% for 22K. Before using the current market cost of ₹14,440 per gram, lenders first convert your 18K weight into a 22K equivalent.
If I close my gold loan early, will I be penalised?
Prepayment penalties are not imposed by the majority of respectable lenders providing the best gold loan in 2026. However, if you end the loan nearly immediately after disbursement, some may demand a minimum interest payment of seven to fifteen days. Verify your agreement’s “Foreclosure” clause at all times.
