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RBI's new, unified gold & silver loan rules
The New Indian Express Kalaburagi
|June 09, 2025
The new rules, which will be effective from 1 April 2026, attempts to standardise the existing guidelines
The Reserve Bank of India (RBI) has raised the Loan-to-Value (LTV) ratio for loans against gold and silver to 85% for loans up to ₹2.5 lakh. This is part of RBI's new comprehensive set of rules for lending against gold and silver. The new rules, which will be effective from 1 April 2026, attempts to standardise and harmonise the existing guidelines and introduce new measures for better oversight, conduct, and consumer protection.
Here are the key highlights of the new rules:
Scope and purview of the rules: These rules apply to all commercial banks (excluding Payments Banks), primary (urban) and rural cooperative banks, and all Non-Banking Financial Companies (NBFCs), including Housing Finance Companies (HFCs). They cover loans for both consumption and income generation purposes where eligible gold or silver collateral is accepted.
This story is from the June 09, 2025 edition of The New Indian Express Kalaburagi.
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