RBI revises gold loan rules on eligibility, valuation and auction safeguards
In short
The RBI has changed gold loan rules for 2026. The new rules raise loan-to-value limits for small borrowers and add clearer valuation and auction safeguards.
This matters for people who pledge gold jewellery for loans. The rules also cover repayment terms, return deadlines and compensation if the jewellery is auctioned.
What the reporting says
RBI’s new gold loan rules introduce higher loan-to-value limits for small borrowers, transparent gold valuation and stronger auction safeguards. The changes also cover repayment conditions, jewellery return deadlines and compensation rules for pledged gold jewellery. The updated framework affects borrowers and lenders using gold-backed loans.
Why it matters
RBI has changed gold loan rules to allow higher loan-to-value limits for small borrowers and to add more transparent gold valuation and stronger auction safeguards. The summary also mentions revised repayment conditions, jewellery return deadlines and compensation rules. The changes affect borrowers pledging gold jewellery and lenders that provide gold-backed loans.