A 75 percent LTV gold loan cap applies to any gold loan above Rs. 5 lakh under the RBI's tiered Loan-to-Value framework. In practice, the maximum loan is 75% of the gold's assessed value. Smaller loans qualify for higher tiers. This guide sets out the three-tier structure, a worked INR calculation, and what happens if LTV is breached.

A gold loan impacts CIBIL score the same way most credit products do, because it is a secured loan and gets reported to the credit bureaus like any other borrowing. The effect runs both ways. Paying on time builds a positive track record and can lift a gold loan CIBIL score over a few months. Slipping into default does the opposite, and the damage tends to stick around far longer than the loan itself.

If you're planning to take a gold loan between Rs. 2.5 lakh and Rs. 5 lakhs, the maximum amount you can borrow depends on the assessed value of the gold you pledge. Under the Reserve Bank of India's revised Lending Against Gold and Silver Collateral Directions, this loan category is subject to a maximum 80% Loan-to-Value (LTV) ratio. Borrowers seeking smaller loans may qualify for a higher 85% LTV, while loans above Rs. 5 lakhs are capped at 75%. This guide explains how the 80% LTV gold loan works, how lenders calculate your eligible loan amount, and what you should know before applying.

For the first time, you can now pledge silver for a loan from a regulated lender. Under the RBI (Lending Against Gold and Silver Collateral) Directions, 2025, effective 1 April 2026, silver ornaments and specific coins are accepted as collateral, alongside gold. The same tiered LTV applies: up to 85% for smaller loans, tapering to 75% for larger ones. There are weight caps, and bars and silver ETFs do not qualify. This guide explains how a loan against silver works, who can apply, the LTV limits, and how it compares with a Gold Loan from IIFL Finance.

From 1 April 2026, the flat 75% cap on gold loans is gone. In its place, the RBI has set three tiers based on loan size: 85% of your gold's value for loans up to INR 2.5 lakh, 80% for loans between INR 2.5 lakh and INR 5 lakh, and 75% for anything above INR 5 lakh. The gold is valued using IBJA rates, not a price the lender picks. This guide explains what the new LTV rules gold loan borrowers now face actually mean, with plain worked examples, what changed, and the rights you have when you pledge gold. If you need funds, a Gold Loan from IIFL Finance follows these same rules.

You may have heard that a CIBIL check is now needed for larger gold loans. Here is the accurate version. From April 2026, the RBI requires a detailed credit assessment, including repayment capacity, for gold loans above INR 2.5 lakh. That usually involves a look at your credit record. It is not a hard minimum-score gate, and your gold still secures the loan, but a large sum now gets a closer review. This guide explains the CIBIL gold loan new rule plainly, what lenders check, and how to prepare. A Gold Loan from IIFL Finance follows this rule.

There is a clear line at INR 2.5 lakh. Below it, a gold loan needs no income proof and stays quick. Above it, the rules changed from April 2026, and lenders now run a proper credit check that looks at your ability to repay. Your gold still secures the loan, but a large sum now comes with a closer look. This guide explains the income proof 2.5 lakh gold loan rules, what salaried and self-employed applicants provide, and how LTV ties in. A Gold Loan from IIFL Finance follows these rules.

A joint gold loan lets two people, often family, borrow against gold together. People ask most about the CIBIL angle: whose score counts, and does a co-applicant's record matter? The short version is that a gold loan is secured, so neither person's score is a hard gate, though for larger loans the lender may look at both. This guide covers joint gold loan CIBIL questions, who can be a co-applicant, how shared liability works, and the documents you both need. A Gold Loan from IIFL Finance can be taken jointly.

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.

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.