RBI Circulars
RBI New Circular on Gold Loan 2025 [Download PDF]
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The Reserve Bank of India (RBI) has released a new circular on Gold Loan. The RBI has changed the amount of loan that a customer can get by pledging his gold in banks. The maximum LTV ratio in respect of consumption loans against the eligible collateral shall not exceed LTV ratios as provided in the table below:
| Total consumption loan amount per borrower | Maximum LTV ratio |
| ≤₹2.5 lakh | 85 per cent |
| > ₹2.5 lakh & ≤ ₹5 lakh | 80 per cent |
| > ₹5 lakh | 75 per cent |
The Loan-to-Value (LTV) ratio for gold loans has been increased from 75% to 85% for loans up to Rs 2.5 lakh. This means that if someone pledges gold worth Rs 1 lakh, they will now be able to get a loan of up to Rs 85,000.
