Gold loan kya hai aur kitna loan milta hai?

Gold loan mein aap apna sona bank ya NBFC ke paas girvi rakhte hain aur badle mein turant loan milta hai. Ye jaldi milta hai kyunki sona hi guarantee hota hai.

Kitna loan milega (LTV)

RBI ke naye niyamon ke hisaab se loan sone ki keemat ke ek hisse tak hi mil sakta hai, jise LTV kehte hain:

₹2.5 lakh tak ka loan: sone ki keemat ka 85% tak. ₹2.5 lakh se ₹5 lakh: 80% tak. ₹5 lakh se zyada: 75% tak. Bank ko ye niyam 1 April 2026 tak lagoo karne the.

Ek vyakti zyada-se-zyada 1 kg gehne aur 50 gram coin hi girvi rakh sakta hai. 24K ke bar aam taur pe girvi nahi liye jaate.

Sone ki keemat kaise lagate hain

Bank sirf sone ke shuddh wazan ka daam lagata hai. Stone, lac ya making charge ka paisa nahi milta. Isliye 50 gram ke gehne mein agar 5 gram stone hai, toh loan 45 gram ke hisaab se banega.

Lene se pehle dekhein

Byaaj dar (per mahina ya per saal), processing fee, jaldi chukane pe penalty, aur samay pe na chukane pe nilaami ke niyam likhit mein padh lein. Sone ki receipt aur photo zaroor lein.

Aaj sone ka kya rate chal raha hai, yahan dekhein. Isse andaza lagega ki aapke sone pe kitna loan ban sakta hai.