Gold coins can be pledged for a loan, but specific rules apply, and they trip up a lot of people. You get quick funds without selling the coins. The catch is that only certain coins qualify, and there is a weight cap. Only bank-issued coins of at least 22-carat purity are accepted, up to 50 grams per borrower, at up to 75% of their assessed value. Privately minted or foreign coins do not count. This guide explains the gold coin loan rules and how to apply. A Gold Loan from IIFL Finance covers eligible coins.

Here is the honest answer most people are looking for. There is no fixed minimum CIBIL score for a gold loan. The loan is secured by your gold, so a low score, or even no score at all, need not stop you. That said, your score is not completely irrelevant either. It can shape the rate and, for larger loans, the approval. This guide sorts out what the minimum CIBIL gold loan reality is, what lenders actually check, and how a gold loan can even help rebuild a weak score. A Gold Loan from IIFL Finance rests on the gold first.

Silver loans are new. From April 2026, regulated lenders can accept silver as collateral, so rates are still settling and vary by lender. As a secured loan, a silver loan should cost less than an unsecured personal loan, though a touch more than the most established gold loans in some cases. What you pay turns on the lender, the loan size and the tenure. This guide breaks down silver loan interest rate basics, what drives the number, the charges beyond interest, and how to get a fair deal. For comparison, a Gold Loan from IIFL Finance works on similar lines.

If you plan to pledge silver, the LTV ratio decides how much you actually get. Under the RBI rules effective 1 April 2026, silver follows the same tiered structure as gold: up to 85% of the silver's value for loans up to INR 2.5 lakh, 80% up to INR 5 lakh, and 75% above that. The value is set on market-linked benchmarks, and there are weight caps. This guide explains the silver loan LTV ratio with a worked example, what silver qualifies, and how repayment type affects it. A Gold Loan from IIFL Finance uses the same tiers.

Most people hand over their gold and hope for the best. You do not have to. The RBI's 2025 Directions on lending against gold and silver, in force from 1 April 2026, give borrowers firm, written rights at every stage, from how your gold is valued to when it must come back. Knowing these consumer rights for gold loan borrowers means you can spot a shortcut and insist on the rule. This guide walks through your rights before, during and after the loan, and how to complain if a lender falls short. A Gold Loan from IIFL Finance is built around these protections.

Gold moves through Indian families constantly, at weddings, births, festivals and just because. The tax question follows close behind. Is gifted gold taxable? The short answer: it depends on who gave it and how much it is worth. Gifts from close relatives are fully exempt, whatever the value. Gifts from others are taxable once they cross INR 50,000 in a year. This guide explains the gift tax on gold jewellery rules in plain terms, the wedding exemption, what happens when you later sell gifted gold, and the papers worth keeping. And since gifted gold is genuinely yours, it can also back a Gold Loan from IIFL Finance if you ever need funds.

Ask three people how much a gold biscuit weighs and you'll get three different answers because there's no standard weight. Biscuits come in several standard sizes from the slim 1 gram to the hefty 1 kilogram bars favoured by vault buyers, but the size most bought by Indian households is 10 grams. This guide properly covers gold biscuit weight in India: the standard sizes, the 999 and 999.9 purity levels, how to work out what a biscuit is worth, and one rule many owners miss, biscuits cannot be pledged for a gold loan, though your jewellery and bank coins can back a Gold Loan from IIFL Finance any day.

A hospital deposit due tonight. A school fee that cannot wait for the month-end. Emergencies do not check your bank balance first. If your family holds bank-issued gold coins, bought over Diwali's past, those coins can become cash today without being sold. A gold coin loan for emergency expenses needs no income proof for smaller amounts, minimal paperwork, and often pays out the same day you walk in. This guide covers which coins qualify, how much you can raise, the exact steps at the branch, and how repayment can flex around your recovery. A Gold Loan from IIFL Finance is built for exactly this moment.

Your first loan of any kind feels like a leap. Handing over the family's gold coins on top of that? Understandably nerve-racking. Here is the reassuring truth: a gold coin loan for first-time borrowers is one of the gentlest entries into borrowing there is. No credit history needed, no income proof for smaller loans, and the whole thing happens in front of you at the branch, from weighing to certificate. This guide takes a first-timer through the whole journey: coin eligibility, the borrowing maths, the document list, a step-by-step of the branch visit, and the safeguards around your coins. A Gold Loan from IIFL Finance is designed to make that first visit easy.

A bonus lands, a payment comes through, and suddenly you can clear your gold coin loan months early. Good instinct. The only question is what it costs. Foreclosure, closing a loan before its term ends, sometimes carries a charge, and sometimes carries none at all, depending on the lender and the loan type. This guide explains gold coin loan foreclosure charges plainly: what they are, when they apply, how they are calculated, the closure process step by step, and when early closure genuinely saves money. A Gold Loan from IIFL Finance keeps closure terms transparent from day one.