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<h1>Gold-Backed Loan Rules Revised: Higher LTV Ratio Up to 85% for Loans Under Rs 2.5 Lakh with Stricter Collateral Guidelines</h1> The Reserve Bank of India (RBI) has updated regulations for gold-backed loans, increasing the loan-to-value (LTV) ratio to 85% for loans under Rs 2.5 lakh. The new guidelines specify LTV ratios for different loan amounts, mandate ownership verification, and set limits on pledged gold and silver quantities. Lenders must value collateral based on purity and release pledged assets within seven working days after loan repayment. The directions are to be implemented by April 1, 2026.