XRF vs Touchstone are two commonly used methods for assessing gold purity during the loan valuation process. Gold purity testing plays an important role in determining the eligible loan value, as lenders assess the net gold content of pledged jewellery in line with applicable valuation and loan‑to‑value (LTV) norms prescribed by the Reserve Bank of India.

The SFURTI honey cluster grant supports artisan cooperatives in developing shared honey processing infrastructure by subsidising a large portion of project costs. Eligible groups are required to meet minimum artisan participation criteria, work with an implementing agency, and submit a Detailed Project Report (DPR) for consideration.

The PMMSY scheme application in Uttar Pradesh enables eligible fish farmers to access capital subsidy support for approved aquaculture and fisheries‑related projects, subject to verification and scheme conditions. Under current guidelines, general category beneficiaries may be eligible for up to 40% subsidy, while SC/ST and women categories may be eligible for up to 60% subsidy on notified activities. Projects such as biofloc units, pond construction, and cold chain infrastructure are included under the scheme. The ODOP credit framework in Uttar Pradesh may be explored separately for value‑added processing activities, subject to ODOP guidelines.

Auto-rickshaw operators in Tier 2 cities may explore financing options such as a gold-backed loan by pledging eligible gold jewellery. The process typically involves standard KYC documentation and gold valuation, with loan approval and disbursal subject to lender policies and regulatory norms.

West Bengal food processing MSMEs may be eligible to claim production‑linked incentives on incremental sales under the central PLISFPI scheme, subject to compliance with scheme conditions and performance benchmarks. The scheme operates over a six‑year period and requires eligible applicants under Segment B (SME track) to meet prescribed investment thresholds in approved product categories. The production‑linked incentive application in West Bengal is processed online and requires valid Udyam registration, FSSAI licence, and audited financial statements. Since incentives are disbursed post‑performance, state‑level initiatives such as the Bhabishyat Credit Card may help address interim working‑capital requirements.

The PM Vishwakarma scheme provides recognised traditional artisans across 18 artisan trades access to structured support including collateral‑free loans, skill training, and a toolkit grant, subject to eligibility and verification. Under the scheme framework, eligible beneficiaries may access credit support in phases at a concessional interest rate, along with non‑repayable assistance for tools. Registration is carried out through authorised channels such as Common Service Centres (CSCs) using Aadhaar‑based verification, in line with government guidelines.

Retail and wholesale traders in Madhya Pradesh may be classified as MSMEs based on turnover and investment criteria defined under the MSME framework. Registering on the Udyam portal is a digital, Aadhaar-linked process that enables formal enterprise recognition.

The SFURTI scheme 2026 Andhra Pradesh provides central government grant-based support to traditional artisan clusters for shared infrastructure, training, and market development. Eligible industries include Khadi, Kalamkari, Kondapalli toys, and coir.

The PM Vishwakarma scheme, Telangana, provides structured support to eligible traditional artisans through skill training, a Rs 15,000 toolkit subsidy, and access to collateral‑free loans ranging from Rs 1 lakh to Rs 3 lakh at a 5% concessionary interest rate, subject to eligibility and verification. Artisans belonging to SC/ST categories and women‑led units may also explore whether benefits under the T‑PRIDE scheme, Telangana can be accessed separately to support margin‑money or project‑cost requirements.

RBI rules give gold loan borrowers three core protections before and after an auction: a 30‑day advance written notice, a public auction at market reserve price, and a mandatory surplus refund. If any of these is violated, borrowers can file an RBI Ombudsman complaint. IIFL Finance follows these requirements in line with applicable regulatory norms.