24 Feb 2026 | 3 Mins Read
Gold Loan Guide 2026: Calculating Eligibility, Amount, and Settlement
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Gold loans in India can be taken against gold jewellery and coins, but not against gold bars, bullion, or ETFs, due to RBI restrictions. Individuals can pledge up to 1 kilogram of gold ornaments, with a maximum loan amount capping at ₹1.37 crore or ₹50 lakh at SBI, and a loan-to-value (LTV) of 75% for loans above ₹5 lakh.