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Pledging Gold? Know RBI's Gold Loan Rules & Loan Amount Per Gram
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RBI Gold Loan Rules: How Much Loan on 1 Gram Gold? Key Changes & LTV Explained
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News18
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24-02-2026, 16:10
RBI Gold Loan Rules: How Much Loan on 1 Gram Gold? Key Changes & LTV Explained
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RBI has updated gold loan rules, with Loan to Value (LTV) being a crucial factor in determining loan amount.
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Gold loans are exclusively available for gold jewelry and gold coins, not for bars, biscuits, or ETFs.
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LTV varies by loan amount: 85% for up to 2.5 lakh, 88% for 2.5-5 lakh, and 75% for over 5 lakh rupees.
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Currently, you can get up to 11,000 rupees per gram of gold; SBI offers loans up to 50 lakh rupees.
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Banks are responsible for the safety of pledged gold and must compensate customers 5000 rupees/day for delays in returning gold after repayment.
Read Full Article on News18 in Marathi
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