Gold loans are one of the fastest and most convenient ways to access funds during a financial need. At Kalishan Capital, we ensure that you get the maximum value for your gold ornaments in accordance with RBI guidelines.
What is LTV?
Loan-to-Value (LTV) is the ratio of the loan amount to the market value of the gold pledged. The Reserve Bank of India (RBI) mandates a maximum LTV of 75% for gold loans. This means if your gold is valued at ₹1,00,000, the maximum loan amount you can receive is ₹75,000.
Why LTV Matters
LTV guidelines protect both the lender and the borrower against market fluctuations in gold prices. It ensures a safe buffer for your valuable assets.