<h1>2025 rules tighten gold-loan LTVs, require digital KYC, clear interest and repayment disclosures for NBFC gold loans</h1> A registered non-banking financial company is advertising gold loans up to Rs. 2 crore with competitive rates and digital application options, targeting festival-driven demand. Regulatory changes introduced in 2025 require stricter loan-to-value limits, promote digital KYC and mandate transparent disclosure of interest rates and repayment terms to protect borrowers and improve securitisation of gold pledges. Eligibility is limited to adult citizens owning 18-22 karat gold, with minimal identity documents required; loan amounts depend on gold purity, weight and prevailing rates. The product offers quick disbursal, pledged-gold insurance and no prepayment charges, while terms and conditions and standard regulatory compliance apply.