Gold loan rules, gathered in one place
38 points name gold lending, across 24 rulebooks.
This is not the whole of your rulebook.
- 17,394 points on this site name no product at all.
- They bind gold lending as well. A rule on limits binds every kind of lending.
- RBI writes its rules by subject and by risk. It does not write them product by product.
- Use this page to start reading. Never to stop.
Points that name it
Reserve Bank of India (Non-Banking Financial Companies – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)
2 points on this rulebook name it
Internal audit must make surprise checks of the pledged metal and keep a record.
named by the words gold and silver collateral · RBI Para 57 · Read it in place
Misleading advertisements with unrealistic claims about gold loans are barred.
named by the words loans against gold · RBI Para 73 · Read it in place
Reserve Bank of India (Non-Banking Financial Companies – Credit Facilities) Directions, 2025 (updated as on July 15, 2026)
2 points on this rulebook name it
A borrower's pledged gold ornaments cannot together exceed 1 kilogram.
named by the words gold ornament · RBI Para 39(1) · Read it in place
The NBFC's Board must approve one policy covering digital lending, gold loans, microfinance and more.
named by the words gold loan · RBI Para 5 · Read it in place
Reserve Bank of India (Rural Co-operative Banks – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)
2 points on this rulebook name it
Misleading advertisements with unrealistic claims about gold loans are barred.
named by the words loans against gold · RBI Para 353 · Read it in place
Internal audit must make surprise checks of the pledged metal and keep a record.
named by the words gold and silver collateral · RBI Para 337 · Read it in place
Reserve Bank of India (Urban Co-operative Banks – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)
2 points on this rulebook name it
Misleading advertisements with unrealistic claims about gold loans are barred.
named by the words loans against gold · RBI Para 300 · Read it in place
Internal audit must make surprise checks of the pledged metal and keep a record.
named by the words gold and silver collateral · RBI Para 284 · Read it in place
Reserve Bank of India (Urban Co-operative Banks – Credit Facilities) Directions, 2025 (Updated as on July 15, 2026)
2 points on this rulebook name it
A borrower's pledged gold ornaments cannot together exceed 1 kilogram.
named by the words gold ornament · RBI Para 39(1) · Read it in place
The bank must check that a borrower is not buying or holding gold to invest or speculate.
named by the words gold loan · RBI Para 35(2) · Read it in place
Reserve Bank of India (Regional Rural Banks – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)
2 points on this rulebook name it
Misleading advertisements with unrealistic claims about gold loans are barred.
named by the words loans against gold · RBI Para 412 · Read it in place
Internal audit must make surprise checks of the pledged metal and keep a record.
named by the words gold and silver collateral · RBI Para 396 · Read it in place
Reserve Bank of India (Regional Rural Banks – Credit Facilities) Directions, 2025 (Updated as on April 01, 2026)
2 points on this rulebook name it
A borrower's pledged gold ornaments cannot together exceed 1 kilogram.
named by the words gold ornament · RBI Para 39(1) · Read it in place
The bank must check that a borrower is not buying or holding gold to invest or speculate.
named by the words gold loan · RBI Para 35(2) · Read it in place
Reserve Bank of India (Local Area Banks – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)
2 points on this rulebook name it
Misleading advertisements with unrealistic claims about gold loans are barred.
named by the words loans against gold · RBI Para 211 · Read it in place
Internal audit must make surprise checks of the pledged metal and keep a record.
named by the words gold and silver collateral · RBI Para 195 · Read it in place
Reserve Bank of India (Local Area Banks – Concentration Risk Management) Directions, 2025
2 points on this rulebook name it
The bank may lend only 7.5 per cent of capital funds to a mainly gold lending NBFC.
named by the words Gold loan · RBI Para 11 · Read it in place
The bank must set an inner limit for all gold loan NBFCs together.
named by the words gold loan · RBI Para 22 · Read it in place
Reserve Bank of India (Small Finance Banks – Concentration Risk Management) Directions, 2025 (Updated as on July 01, 2026)
2 points on this rulebook name it
The bank may lend only 7.5 per cent of capital funds to a mainly gold lending NBFC.
named by the words Gold loan · RBI Para 15 · Read it in place
The bank must set an inner limit for all gold loan NBFCs together.
named by the words gold loan · RBI Para 26 · Read it in place
Reserve Bank of India (Small Finance Banks – Credit Facilities) Directions, 2025 (Updated as on July 15, 2026)
2 points on this rulebook name it
A borrower's pledged gold ornaments cannot together exceed 1 kilogram.
named by the words gold ornament · RBI Para 40(1) · Read it in place
The bank must check that a borrower is not buying or holding gold to invest or speculate.
named by the words gold loan · RBI Para 36(2) · Read it in place
Reserve Bank of India (Commercial Banks – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)
2 points on this rulebook name it
Misleading advertisements with unrealistic claims about gold loans are barred.
named by the words loans against gold · RBI Para 392 · Read it in place
Internal audit must make surprise checks of the pledged metal and keep a record.
named by the words gold and silver collateral · RBI Para 376 · Read it in place
Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025
2 points on this rulebook name it
A borrower's pledged gold ornaments cannot together exceed 1 kilogram.
named by the words gold ornament · RBI Para 40(1) · Read it in place
The bank must check that a borrower is not buying or holding gold to invest or speculate.
named by the words gold loan · RBI Para 36(2) · Read it in place
Reserve Bank of India (Small Finance Banks – Responsible Business Conduct) Directions, 2025 (Updated as on July 1, 2026)
2 points on this rulebook name it
Misleading advertisements with unrealistic claims about gold loans are barred.
named by the words loans against gold · RBI Para 392 · Read it in place
Internal audit must make surprise checks of the pledged metal and keep a record.
named by the words gold and silver collateral · RBI Para 376 · Read it in place
Master Circular - Management of Advances - UCBs
1 point on this rulebook names it
No advance may be given to buy gold in any form, coins and funds included.
named by the words gold jewellery · RBI Para 7 · Read it in place
Reserve Bank of India (Non-Banking Financial Companies – Prudential Norms on Capital Adequacy) Directions, 2025 (Updated as on July 01, 2026)
1 point on this rulebook names it
A company lending mainly against gold jewellery has its own capital floors.
named by the words gold jewellery · RBI Para 6(1) · Read it in place
Reserve Bank of India (Rural Co-operative Banks – Credit Facilities) Directions, 2025 (Updated as on April 01, 2026)
1 point on this rulebook names it
A borrower's pledged gold ornaments cannot together exceed 1 kilogram.
named by the words gold ornament · RBI Para 39(1) · Read it in place
Reserve Bank of India (Local Area Banks – Credit Facilities) Directions, 2025 (Updated as on April 01, 2026)
1 point on this rulebook names it
A borrower's pledged gold ornaments cannot together exceed 1 kilogram.
named by the words gold ornament · RBI Para 39(1) · Read it in place
Reserve Bank of India (Commercial Banks - Capital Charge for Credit Risk – Standardised Approach) Directions, 2026 (Effective from April 1, 2027)
1 point on this rulebook names it
Gold collateral loses a fifth of its value as haircut.
named by the words Gold collateral · RBI Para 37 · Read it in place
Reserve Bank of India (Commercial Banks - Asset Classification, Provisioning and Income Recognition) Directions, 2026
1 point on this rulebook names it
A gold loan is provisioned at 0.40% at first, rising to 1.50% if risk grows.
named by the words Gold Loan · RBI Para 82 · Read it in place
Reserve Bank of India [Commercial Banks - Kisan Credit Card (KCC) Scheme] Directions, 2026
1 point on this rulebook names it
A voluntary pledge of gold or silver within that free limit is not a breach of the rule.
named by the words pledge of gold · RBI Para 23 · Read it in place
Reserve Bank of India [Small Finance Banks - Kisan Credit Card (KCC) Scheme] Directions, 2026
1 point on this rulebook names it
A voluntary pledge of gold or silver within that free limit is not a breach of the rule.
named by the words pledge of gold · RBI Para 22 · Read it in place
Reserve Bank of India [Regional Rural Banks - Kisan Credit Card (KCC) Scheme] Directions, 2026
1 point on this rulebook names it
A voluntary pledge of gold or silver within that free limit is not a breach of the rule.
named by the words pledge of gold · RBI Para 22 · Read it in place
Reserve Bank of India [Rural Co-operative Banks - Kisan Credit Card (KCC) Scheme] Directions, 2026
1 point on this rulebook names it
A voluntary pledge of gold or silver within that free limit is not a breach of the rule.
named by the words pledge of gold · RBI Para 21 · Read it in place
Rules that leave it out
These rules name gold lending only to put it outside their reach. Knowing a rule does not apply is worth as much as knowing one does.
Reserve Bank of India (Commercial Banks – Prudential Norms on Capital Adequacy) Directions, 2025
1 point on this rulebook leaves it out
Consumer credit, including personal loans, carries a 125 per cent risk weight.
named by the words gold jewellery · RBI Para 71 · Read it in place
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These rulebooks carry this product in their own legal title. None has a plain-English page yet. They are named here so the gap is visible rather than hidden.
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