💰
Loans up to ₹2.5 Lakh
Up to 85%
of Gold Value
Small-ticket gold loans get the highest LTV headroom, easing access to credit for smaller borrowing needs.
💵
Loans ₹2.5 – 5 Lakh
Up to 80%
of Gold Value
Mid-range loan slab carries a moderated LTV cap, balancing borrower access with lender risk exposure.
🏦
Loans above ₹5 Lakh
Up to 75%
of Gold Value
Higher-value loans attract the most conservative LTV limit, reflecting RBI's tiered risk-based lending framework.
LTV limits as prescribed under RBI gold loan lending guidelines