5 Big Changes In Gold Loan By RBI - RBI Gold Loan Rules 2026 | Bullet Repayment | LTV Ratio| Kowshik

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Big Changes In Gold Loan By RBI - RBI Gold Loan Rules 2026 | Bullet Repayment | LTV Ratio | Kowshik

🏆 5 BIG CHANGES IN GOLD LOANS | RBI New Gold Loan Rules Explained (2026)

Gold loans are one of the most popular ways to get quick funds in India. However, RBI has introduced several important changes in gold loan regulations that can directly impact how much loan you get, how banks verify your eligibility, gold auction procedures, and even compensation if your gold is not returned on time.

In this video, I explain all 5 major gold loan changes in simple language with practical examples so that every borrower can understand how these new rules affect them.

📌 Topics Covered:

✅ New Loan-to-Value (LTV) Ratio Rules
• Up to ₹2.5 lakh loan → 85% LTV
• ₹2.5 lakh to ₹5 lakh loan → 80% LTV
• Above ₹5 lakh loan → 75% LTV

✅ Income Proof & Credit Score Checks
• Income proof requirements for higher-value gold loans
• ITR verification
• Credit score verification

✅ Changes in Bullet Repayment Gold Loans
• New repayment requirements
• Loan closure rules
• Fresh loan eligibility after closure

✅ Compensation for Delay in Returning Gold
• Banks must return pledged gold within 7 working days after loan closure
• Compensation of ₹5,000 per day for delays beyond the permitted period

✅ New Gold Auction Rules
• Mandatory 14-day prior notice before auction
• Auction details through SMS, Email, or Physical Letter
• Minimum reserve price fixed at 90% of gold value
• Protection against undervalued gold auctions
• Refund of excess auction proceeds to borrowers

⚠️ These changes are extremely important for anyone planning to take a gold loan or currently holding a gold loan.

📢 Share this video with your family and friends so they understand their rights before pledging their gold.

⚠️ Disclaimer: This video is for educational purposes only and contains a paid promotion with Odoo. Some RBI gold loan changes discussed have already been implemented, while others may be implemented in the future. Rules may vary across banks and NBFCs. Please verify the latest guidelines and do your own research before making any financial decisions.

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