Can you take a loan with silver as collateral? Here is what the RBI rules say | Ajo Joseph

Описание: The recent move by the Reserve Bank of India (RBI) to formally introduce guidelines for accepting silver as collateral for loans, a practice previously uncommon in mainstream Indian banking, which traditionally favored gold loans. The RBI (Lending Against Gold and Silver Collateral) Directions, 2025, which must be implemented by April 1, 2026, establish rules such as limiting the total weight of silver ornaments pledged per borrower to 10 kgs and setting a maximum loan-to-value (LTV) ratio that varies based on the loan amount. This regulatory change, especially with a perceived 10-to-1 gold-silver ratio, positions silver as a more significant global monetary metal, while the other details the regulations, including that loans are only permitted against silver ornaments, jewelry, and coins, not ingots or financial instruments like ETFs. This regulatory shift aims to standardize lending practices and capitalize on the rising value of silver.

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