Under RBI’s 2025 directions on lending against gold, the maximum loan-to-value is 85% for loans up to ₹2.5 lakh, 80% up to ₹5 lakh and 75% above (including interest for bullet-repayment loans). Banks value gold at the average of recent 22-carat prices.
FAQ
How much loan on 10 grams of gold?
About 85% of its value if the loan is under ₹2.5 lakh.
Sources (checked 6 Nov 2026): RBI (Lending Against Gold and Silver Collateral) Directions, 2025.