June 9, 2025

rbi consumption loans

Loans

What are RBI’s final norms for loans against gold and silver?

Based on feedback from the industry and the government’s department of financial services, the final norms are easier than the previously proposed draft norms. They include a higher loan-to-value (LTV) ratio for small-ticket loans and don’t require credit appraisal for such loans.  The deadline to implement these guidelines has also been extended to April 2026.

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