India's New Silver Lending Revolution
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India's New Silver Lending Revolution
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The provided sources outline the 2025 regulatory framework issued by the Reserve Bank of India (RBI) to standardize lending against gold and silver. For the first time, formal credit will be available against silver ornaments and coins, expanding financial access for households starting April 1, 2026. The new directions establish a tiered Loan-to-Value (LTV) system ranging from 75% to 85% to prioritize smaller borrowers and ensure systemic stability. To enhance consumer protection, the rules mandate uniform purity testing protocols, transparent auction processes, and strict compensation penalties for delayed collateral returns. Lenders face more rigorous due diligence requirements and must now monitor the end-use of funds to prevent speculative behavior. Overall, these reforms transition the sector toward a principles-based ecosystem focused on transparency and disciplined growth.
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