Overview
- Regulators now cap loan‑to‑value by size, allowing up to 85% for loans up to ₹2.5 lakh, 80% for ₹2.5–5 lakh, and 75% above ₹5 lakh.
- Record domestic prices have lifted payouts per gram, with reports citing 22K near ₹14,440 per gram and 24K about ₹15,752 per gram.
- NBFCs using Video KYC and Aadhaar‑linked verification often disburse funds in 30 to 45 minutes when IDs and documents are ready.
- Lenders update per‑gram rates daily and some use a 30‑day average, and borrowers receive a Purity Certificate that states weight and karat.
- Applicants are urged to use gold‑loan calculators and EMI tools to factor in LTV tier, purity, net weight, tenure and fees before applying, which helps families and MSMEs borrow only what they can repay.