One ratio decides how much loan your gold can raise, and it fits in a single line: the loan amount divided by the collateral's value. That is the loan to value ratio, LTV for short, the number regulators cap, lenders live by, and borrowers should understand before walking into any branch. In gold lending the rules are precise: the RBI's directions effective 1 April 2026 set tiered ceilings of 85%, 80% and 75% depending on loan size, applied by every regulated lender including IIFL Finance. This guide explains what LTV means, the formula with a worked example, the current rules in India, what happens when gold prices fall mid-loan, and how the ratio quietly shapes both your eligibility and your interest rate.

Strip away the paperwork and a loan is the oldest deal in commerce: someone with money lends it to someone who needs it and gets it back later with something extra for the wait. So what is a loan in modern terms? A sum borrowed from a bank or a regulated non-banking lender, repaid over an agreed period with interest, under a written contract that protects both sides. India's market offers many kinds, from personal loans to home loans to the gold loans that lenders such as IIFL Finance provide against household jewellery. This guide explains the types, the secured-unsecured divide, the life of a loan from application to closure, what lenders check, and why the gold loan stands apart from the rest.

The school fee falls due on the 3rd; the salary arrives on the 7th. Multiply that small mismatch by a medical bill or a festival, and you have the gap an entire lending category exists to bridge. A salary loan is an unsecured personal loan advanced against the strength of a borrower's monthly salary, sized to income, repaid in EMIs, and processed on payslips and bank statements. It works well for the formally employed. It works less well for everyone else, which is where secured alternatives such as the Gold Loan from lenders like IIFL Finance enter the comparison. This guide covers what a salary loan is, who qualifies, the paperwork, and an honest side-by-side with the gold-backed route.

The gold is already at the lender's branch, the loan is running smoothly, and then the need grows: the shop renovation costs more than planned, or a second expense lands mid-tenure. Borrowing again from scratch feels like starting over. A top up loan exists for exactly this moment: additional funds advanced on an existing loan, using the security and relationship already in place, without a fresh pledge or a new file built from zero. Gold loans suit the structure particularly well, since rising gold values often create fresh borrowing headroom on the same jewellery, and lenders such as IIFL Finance extend top-ups on this basis. This guide covers the meaning, eligibility, the process, and how a top-up truly differs from a fresh loan.

The rbi gold auction 90% reserve price rule - how it protects you is designed to ensure that pledged gold is not auctioned at an unreasonably low value if a gold loan remains unpaid.

MSME loan for export business - ECGC coverage explains how export credit insurance and business finance work together for Indian exporters. An ECGC policy helps protect eligible export receivables against specified commercial and political risks, while insured receivables may strengthen a lender’s assessment when evaluating working-capital or export finance applications. Loan approval, sanctioned amount, repayment terms and other lending conditions continue to depend on the lender’s internal credit policies, the applicant’s financial profile and the required documentation.

Running a neighbourhood grocery shop often requires regular investment in inventory, store maintenance, and day-to-day operations. An MSME loan for kirana store in Karnataka can help eligible business owners arrange finance for working capital, stocking essential goods, upgrading shop infrastructure, adopting digital payment systems, or expanding their operations.

MSME loan for kirana store in Maharashtra can help eligible grocery retailers access business finance for inventory purchases, working capital requirements, store renovation, digital upgrades, or business expansion. Depending on the applicant’s eligibility, repayment capacity, documentation, and lender evaluation, loan amounts may be available up to ₹50 lakh, with collateral-free options offered under eligible loan products. This guide explains who may qualify, the typical eligibility criteria, Maharashtra-specific documentation, available funding options, the application process, important loan features, and practical considerations to help kirana store owners make an informed borrowing decision.

The RBI uniform gold loan rules for banks and NBFCs introduce a harmonised regulatory framework for loans secured against eligible gold jewellery across regulated banks and eligible NBFCs, effective from 1 April 2026.

A silver loan for traders and dealers can help small businesses arrange short-term working capital without selling personally owned silver assets. Eligible borrowers may pledge qualifying silver jewellery or permitted silver coins and receive a loan based on the assessed value of the pledged collateral, subject to lender evaluation and applicable regulatory requirements.