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    <title>Loan against Bonds</title>
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    <description>Sovereign Gold Bonds may be used as collateral for loans by marking lien on the Bonds; the loan-to-value ratio applicable to ordinary gold loans as mandated by the Reserve Bank of India applies to such loans, and granting credit is subject to the discretion and lending policy of the bank or financing agency rather than a borrower&#039;s entitlement.</description>
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      <description>Sovereign Gold Bonds may be used as collateral for loans by marking lien on the Bonds; the loan-to-value ratio applicable to ordinary gold loans as mandated by the Reserve Bank of India applies to such loans, and granting credit is subject to the discretion and lending policy of the bank or financing agency rather than a borrower&#039;s entitlement.</description>
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