<ul data-eligibleForWebStory="false"><li>The Reserve Bank of India clarified that banks can extend agricultural and MSME loans against voluntarily pledged gold and silver within permissible limits.</li><li>This clarification allows borrowers, particularly small farmers and micro enterprises, to use their personal gold or silver as collateral for formal credit access.</li><li>The move is aimed at improving credit access in rural and informal segments where gold assets are a common form of security.</li><li>RBI's recent directive, Lending Against Gold and Silver Collateral Directions, 2025, aims to streamline regulations around precious metal-backed loans.</li></ul>

RBI Clarifies Norms For Agri, MSME Loans Against Gold, Silver Collateral

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