⚖️ Loan Estimator / நகை விவரங்கள்
Grams
2.00 Sovereign (பவுன்)16.00g
Fetching Bot's Price...
₹
Maximum Eligible Loan / அதிகபட்ச கடன்
₹93,160
Total Gold Value: ₹1,09,600
Applied LTV (%)
85%
RBI Tier
≤ ₹2.5 Lakh
Understanding RBI's Loan to Value (LTV) Ratio for Gold Loans
The Loan to Value (LTV) ratio determines the maximum amount of loan a bank or NBFC can offer against the market value of your pledged gold jewelry. To mitigate risk, the Reserve Bank of India (RBI) mandates specific LTV limits that institutions must adhere to.
Latest Tiered LTV Guidelines
| Total Consumption Loan Amount | Maximum LTV Ratio |
|---|---|
| ≤ ₹2.5 lakh | 85% |
| > ₹2.5 lakh & ≤ ₹5 lakh | 80% |
| > ₹5 lakh | 75% |
*The prescribed LTV ratio must be maintained on an ongoing basis throughout the tenor of the loan. This means if gold prices drop significantly, the lender may ask you to deposit additional gold or pay part of the principal to maintain the LTV limit.