RESERVE BANK OF INDIA (LENDING AGAINST GOLD AND SILVER COLLATERAL) DIRECTIONS, 2025CONTENTSTOTAL CONSUMPTION LOAN AMOUNT2 PER BORROWERMAXIMUM LTV RATIO≤₹2.5 LAKH85 PER CENT> ₹2.5 LAKH & ≤ ₹5 LAKH80 PER CENT> ₹5 LAKH75 PER CENTSL. NO.CIRCULAR NO.DATESUBJECT1.JANUARY 20, 19642.OCTOBER 7, 19723.JUNE 1, 19784.JULY 22, 19785.FEBRUARY 8, 19806.OCTOBER 15, 19817.SEPTEMBER 20, 19868.AUGUST 4, 19939.NOVEMBER 22, 199410.NOVEMBER 02, 200511.FEBRUARY 27, 200612.MARCH 2, 200613.MARCH 9, 200614.NOVEMBER 26, 200715.NOVEMBER 10, 200816.MARCH 05, 201017.SEPTEMBER 22, 201018.MAY 27, 201319.JUNE 6, 201320.JUNE 25, 201321.DECEMBER 30, 201322.JANUARY 20, 201423.MAY 9, 201424.JULY 1, 201425.JULY 22, 201426.OCTOBER 30, 201427.JANUARY 8, 201528.OCTOBER 15, 201529.FEBRUARY 16, 201730.AUGUST 6, 202031.OCTOBER 6, 2023

MUMBAI, India, June 6 -- Reserve Bank of India issued the following notification:

RBI/2025-26/47

DOR.CRE.REC.26/21.01.023/2025-26

June 6, 2025

Reserve Bank of India (Lending Against Gold and Silver Collateral) Directions, 2025

Contents A. Introduction B. Powers Exercised and Commencement C. Scope D. Definitions E. General Conditions Applicable to all Loans against Eligible Collateral Restrictions and Ceilings Valuation and Assaying of Gold and Silver collateral Loan to Value Ratio (LTV) F. Conduct Related Aspects Standardisation of Procedure for Assaying and Valuation of Gold and Silver collateral Standardisation of Documents and Communication G. Collateral Management Handling and Storage of Collateral Release of Collateral after Repay...