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By April 1, 2026, lenders must adhere to the guidelines for silver-backed loans established by the Reserve Bank of India (Lending Against Gold and Silver Collateral) Directions, 2025.

While gold loans are already commonly available from banks and other financial institutions, silver loans are less popular in mainstream banking. Silver is not often accepted as loan collateral by banks. Silver is not widely regulated, even though some local NFBCs, cooperative banks, and other lenders accept it informally.

For loans up to 2.5 lakh, the maximum loan-to-value (LTV) ratio is 85%; for loans between 2.5 lakh and 5 lakh, it is 80%; and for loans over 5 lakh, it is 75%. In its recommendations, the RBI stated that the prescribed LTV ratio must be continuously maintained throughout the duration of the loan.

Gold

Cease paying too much GST on gold jewelry! 💸
Is that stunning piece of gold costing you more than it should? When buying jewelry, there's a clever method to save money!

The straightforward gimmick is that while the GST rate on gold jewelry is 3%, the GST rate on manufacturing charges alone is 5%.

If your jeweler issues a "Combo Invoice" that includes both the gold price and the manufacturing costs:

On the total, you pay a flat 3% GST! (Gold + Creating Fees). Here, you save money! ✅

If your jeweler just charges a making charge for a service (such as reworking old gold):

You pay 5% GST to the people who charge you. Here, you pay extra. ❌

🔥 Expert Advice: ALWAYS review your invoice!
Verify the price of gold as well.
You pay 5% GST to the people who charge you. Here, you pay extra. ❌

🔥 Expert Advice: ALWAYS review your invoice!
To receive the 3% GST benefit and keep more money in your pocket, make sure the gold price and manufacturing costs are added up to a single total before the GST is computed.

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For more information and updates, follow .

Wishing you and your family a very Happy Diwali!
May this festival of lights bring prosperity, peace, and new beginnings into your life. 🌟

As your trusted tax partners, we are grateful for your support and faith in us.
Looking forward to serving you with the same dedication in the year ahead.

Stay compliant. Stay stress-free. Stay blessed. ✨🪔

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