Ninety days. That is the line, and everything about the term follows from it: a loan becomes an NPA, a Non-Performing Asset, when its repayment stays overdue past 90 days, at which point the lender must reclassify it under RBI norms and the borrower's troubles begin compounding. The rule applies across lending, and gold loans are no exception, though they come with clearer warnings and better exits than most. Understanding the classification ladder, the consequences, and the practical steps that keep an account regular, steps lenders such as IIFL Finance actively support through reminders and flexible schemes, is the cheapest financial protection a borrower can own. This guide covers all of it, in the order trouble arrives.

Loan offers may include an option to pay an upfront fee in exchange for a lower interest rate. In mortgage pricing, this is referred to as discount points in mortgage structures.

Loan offers may include an option to pay an upfront fee in exchange for a lower interest rate. In mortgage pricing, this is referred to as discount points in mortgage structures.

Two invoices, same 10 grams of gold, and yet one bill runs thousands of rupees higher. The difference sits in one line: making charges gold chain buyers pay around 6% to 14% of the gold value, while a ring buyer may part with 14% to 25% for the same weight of metal. Making charges are the jeweller's fee for labour and craftsmanship, calculated either as a fixed rupee amount per gram or as a percentage of the day's gold value, and they swing widely by ornament type. This guide sets out the typical ranges for four common pieces, chains, rings, bangles and kadas, explains the two calculation methods with a worked example, covers GST, separates making charges from wastage charges, and shows why none of these charges count when the jewellery is later pledged for a gold loan.

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