The Reserve Bank of India (RBI) has introduced updated guidelines aimed at strengthening gold loan practices and enhancing the co-lending framework for better transparency, responsible lending, and financial inclusion.
Key Highlights:
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✅ Loan-to-Value (LTV) ratio capped at 75%
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✅ Income proof is now mandatory for gold loan applicants
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✅ Multiple loans on the same gold asset are prohibited
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✅ Standard valuation norms for assessing gold value
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✅ Co-lending partnerships now permitted between NBFC–NBFC and inter-bank entities
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✅ Default Loss Guarantee (DLG) allowed up to 5%
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✅ Improved credit access for MSMEs, rural borrowers, and the informal sector
These reforms are designed to promote financial discipline, transparency, and greater credit inclusion for underserved segments of the economy.
Are You an NBFC, Fintech, or Lending Institution?
Ensure full compliance and seamless implementation of the new guidelines with expert legal and financial support.
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