RBI's New Rules: No More Gold Loan for Everyone?



Quick Summary
The Reserve Bank of India has introduced new regulations for gold and silver loans, impacting both lenders and borrowers from October 2025 and April 2026 respectively. A significant change prohibits using these loans to purchase gold or silver in any form, including jewellery, coins, or ETFs. The rules also introduce new Loan-to-Value ratios based on loan amounts and mandate full repayment of principal and interest within 12 months, ending the practice of interest-only renewals.

The Reserve Bank of India (RBI) has issued new guidelines for gold and silver loans. These new directions affected both lenders (banks/NBFCs) and borrowers (individuals or businesses). Effective From October 1, 2025: Rules apply to banks and NBFCs (lending institutions). April 1, 2026: Rules a
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About the Author

Finance Professional

I write about Income Tax, GST, TDS, RBI updates, government schemes, and personal finance in India. My focus is on simplifying complex tax and compliance topics into easy-to-understand guides that help readers stay updated with the latest financial rules, investment options, and regulatory changes.

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