Marriage often brings a change of residence before utility bills, bank records or other documents have been moved to the new address. For someone asking can you update aadhaar address using spouse passport, UIDAI's current guidance provides an important conditional answer: a passport may be used as Proof of Address for the spouse if the passport contains that spouse's name. This is different from treating every spouse passport as automatically valid for every address-update request. The document and relationship details still need to fit UIDAI's accepted process, and the request remains subject to verification. This article explains the spouse-passport rule, the Head of Family route, centre-based options, current charges, processing expectations and what an Aadhaar-passport address difference means in practice.

On a property priced at ₹50 lakh, a housing lender may sanction less than the full purchase price. If the sanctioned housing loan is ₹40 lakh, the buyer must arrange the remaining ₹10 lakh, along with applicable transaction expenses. This gap forms part of the home down payment or buyer's contribution.

The popular view going around is that the 2026 changes made gold loans cheaper. It hasn't. What these gold loan new regulations for Madhya Pradesh 2026 have actually done is increase the amount that could be lent against a certain quantity of gold, the valuation of such gold, and its time of return. The RBI (Lending Against Gold and Silver Collateral) Directions, 2025, enforced by regulated institutions since April 2026, fixed loan-to-value ratios of 85%, 80%, and 75% against loans of ₹2.5 lakh, ₹5 lakh and above, respectively, demanded that the pledged gold be returned within seven working days from closing, and incorporated all the costs of a gold loan in the Key Fact Statement. Interest rates remained with the lender.

Gold pledged at a Mumbai or Pune counter is now valued off a published benchmark rather than a branch estimate, and the amount released against it depends on which of three slabs the loan falls into. Those two shifts sit at the centre of the gold loan new rules Maharashtra 2026 borrowers are dealing with. The RBI (Lending Against Gold and Silver Collateral) Directions, 2025, implemented by regulated lenders from April 2026, replaced the flat 75% loan-to-value cap with 85%, 80% and 75% tiers, tied valuation to prices published by IBJA or a SEBI-regulated exchange, and set out a structured auction process with a reserve price floor.

Income in much of Mizoram arrives in blocks rather than every month. A ginger or broom-grass harvest may generate earnings once in a season, while a trading cycle in Aizawl may conclude at specific intervals. That timing has become more relevant because the gold loan new rules Mizoram 2026 framework caps bullet repayment loans for consumption purposes at 12 months. Directions of the Reserve Bank of India (Loan Against Gold and Silver Pledge) Rules, 2025, adopted by banks from April 2026, provided that the LTV slab percentages be fixed at 85%, 80% and 75%, respectively, explained the conditions for pledge of collateral and tightened provisions for release of pledged gold.  This guide explains what changed, how the new LTV slabs work, how repayment structures differ, which gold items qualify as collateral and what protections apply to borrowers in Mizoram.

A borrower in Dimapur who pledged gold worth ₹1 lakh in 2025 could borrow up to ₹75,000. The same gold, pledged after 1 April 2026, may support a loan of up to ₹85,000, subject to applicable valuation norms and lender policies. That single change explains much of the interest in the gold loan new rules Nagaland 2026 borrowers are now discussing. As per the Reserve Bank of India (Lending against Gold and Silver Pledges) Directions, 2025, which came into force from April 2026 for regulated institutions, a flat LTV ratio of 75% has been made into three slabs, consumption-based capped bullet repayment loans have been restricted to 12 months, and seven working days have been made as the uppermost period for returning gold against complete repayment.  This guide explains what changed, the new LTV slabs in rupee terms, lender categories available in Nagaland, the simplified process for smaller loans, and borrower protections in cases involving delayed repayment or auction.

Onam and the wedding months put more gold in motion in Kerala than any other stretch of the year, and they bring the heaviest pledging season. Those dates now sit under a changed rulebook, because the gold loan new rules Kerala 2026 borrowers face altered both the ceiling and the tenure. The RBI (Lending Against Gold and Silver Collateral) Directions, 2025, implemented by regulated lenders from April 2026, moved loan-to-value to slabs of 85%, 80% and 75% by loan size, capped bullet repayment on consumption loans at 12 months, and barred the use of loan proceeds to buy gold in any form.

Kharif income often arrives once after harvest, and many households in Bargarh, Kalahandi and other parts of Odisha plan major financial decisions around that cycle. Since April 2026, repayment planning has assumed greater significance due to the fact that bullet repayment gold loans meant for consumption can have a maximum maturity period of 12 months only. The gold loan new rules Odisha 2026 regulations have been brought about via the Reserve Bank of India (Lending Against Gold and Silver Collateral) Directions, 2025 and have been enforced by regulated lenders since April 2026. These rules have brought in a number of changes like reducing the fixed 75% loan-to-value (LTV) ratio requirement to a stepped ratio of 85%, 80% and 75%.  This guide explains the key changes, indicative per-gram loan calculations, repayment and auction rules, the position regarding loan waivers, and steps borrowers may consider when applying for a gold loan under the updated framework.

Pledged ornaments come back once the loan closes. That single fact underpins most gold borrowing in Manipur, and the limits around it changed in April 2026. Under the gold loan new rules Manipur 2026 borrowers face, loan-to-value runs at 85% for loans up to ₹2.5 lakh, 80% up to ₹5 lakh and 75% above that, replacing the earlier flat cap. The RBI (Lending Against Gold and Silver Collateral) Directions, 2025, implemented by regulated lenders from April 2026, also capped bullet repayment on consumption loans at 12 months, limited eligible collateral to jewellery, ornaments and qualifying bank-issued coins, and set a seven-working-day deadline for returning pledged gold after repayment.

A handcrafted gold ornament passed down through a Khasi or Garo family rarely carries a BIS hallmark. Under the gold loan new rules Meghalaya 2026 borrowers work with, what such an ornament supports depends on a purity check rather than a stamp, and on which of three loan-to-value slabs the loan falls into. As per the RBI (Lending Against Gold and Silver Collateral) Directions, 2025, introduced by regulated institutions in April 2026, the flat cap of 75% has been increased to three caps, namely 85%, 80% and 75%. The cap on bullet repayment has been set to 12 months, and seven working days have been specified for repaying pledged gold.