Скачать или смотреть RBI Tightens Gold Loan Norms | Cash-Flow Based Lending Mandatory by April 2026

RBI’s New Gold Loan Rules to Reshape India’s Credit Landscape

The RBI has introduced new gold loan regulations, requiring lenders—especially NBFCs—to shift from collateral-based to cash-flow-based credit assessments by April 1, 2026. Borrowers' income and repayment capacity must now be evaluated, and interest must be factored into loan-to-value (LTV) ratios. While the move aims to bring prudence to the booming sector, it could reduce disbursals and increase operational costs.

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