Gold Loan Rules 2026: How Much You Can Now Borrow

Small gold loans up to ₹2.5 lakh can now fetch up to 85% of your gold's value

Silver ornaments and coins are accepted as loan collateral for the first time

Lenders must return your pledged gold within 7 working days of full repayment

Delay in returning your jewellery costs the lender ₹5,000 per day, paid to you

One borrower can pledge a maximum of 1 kg of gold ornaments across loans

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