RBI Gold & Silver Loan Rules 2025 Explained | LTV, Auction, Penalty | IBPS RRB GBO 2025

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📢 RBI’s New Circular on Gold and Silver Loans – Explained!
The Reserve Bank of India (Lending Against Gold and Silver Collateral) Directions, 2025 bring uniformity and clarity to gold and silver-backed loans across all regulated entities.

In this video, Ramandeep Singh explains the key highlights of the circular, effective from April 1, 2026, including:

✅ Scope and Applicability
✅ Eligible Collateral (Gold ≥22 Carat, Silver ≥925 purity)
✅ Maximum Loan Limits
✅ Tiered LTV Structure (85% / 80% / 75%)
✅ Valuation Rules and Borrower Protections
✅ Auction Process & Penalty Provisions
✅ Credit Policy, Transparency, and Grandfathering Clause

This video is a must-watch for IBPS RRB GBO 2025 aspirants and anyone preparing for banking or financial regulatory exams.

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