Gold Loans: Essential Tips for Personal Financial Management

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Gold Loan: Quick Cash in Emergencies, But Beware of Hidden Risks!

Gold Loan: Quick Cash in Emergencies, But Beware of Hidden Risks!

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News18•22-02-2026, 20:06

Gold Loan: Quick Cash in Emergencies, But Beware of Hidden Risks!

•Gold loans offer fast disbursement, making them popular for urgent financial needs.
•RBI rules allow a maximum 'Loan-to-Value' (LTV) ratio of 75% of the gold's value.
•Repayment options include EMI (principal + interest monthly) or Bullet Payment (interest monthly, principal at end).
•Key risks include jewelry auction if payments are missed and demands for additional collateral if gold prices drop.
•Always inquire about processing fees, valuation charges, and late payment penalties beyond the advertised interest rate.

Read Full Article on News18 in Hindi

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Gold Loan:ప్రస్తుతం బంగారం ధరలు ఆకాశాన్ని తాకుతున్నాయి. సామాన్యులు బంగారం కొనడానికే వెనకడుగు వేస్తున్నారు. అలాంటివారు కొనకపోయినాసరే వారి దగ్గర ఉన్న బంగారం బ్యాంకుల్లో పెడితే మాత్రం లక్షల రూపాయలు వస్తాయి. అయితే తులం బంగారానికి బ్యాంకులు ఎంత రుణం ఇస్తాయి? వడ్డీ ఎంత కట్టాలి? EMI ఎంత కట్టాలి? అనే విషయాలను తెలుసుకుందాం.

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