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RBI ISSUES NEW RULES ON LENDING AGAINST GOLD
The Business Guardian
|October 01, 2025
The Reserve Bank updated its directions to banks on collateral-based lending practices effective from today
The Reserve Bank of India (RBI) has issued new directions to banks, effective from October 1, 2025, covering interest rate on advances, lending against gold and silver collateral, and capital regulations.
Along with these, the central bank has also released draft guidelines for public comments on gold metal loans, large exposures, in-tragroup transactions, and credit information reporting.
In an official statement on Monday, the RBI stated, “RBI has today issued seven Directions/Circulars, proposing to amend some of the extant Directions/Circulars applicable to banks and other regulated entities”.
The guidelines stated that under the Reserve Bank of India (Interest Rate on Advances) (Amendment Directions), 2025, rules for floating rate loans have been revised.
At present, floating rate retail and MSME loans are linked to an external benchmark, with banks allowed to set a spread. Other than the credit risk premium, these spreads could be changed only once in three years.
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