RBI eases gold loan 'value' norms for small borrowers

RBI has introduced revised guidelines for gold and silver-backed loans, effective April 1, 2026, aiming to boost credit access for small borrowers. The loan-to-value ratio for smaller loans up to ₹2.5 lakh is now 85%. Simplified ownership proof and relaxed underwriting norms for income-generating loans up to ₹2.5 lakh are included.