National News
Gem & Jewellery BSM 2025 :Fruitful partnerships and meaningful dialogue
GJEPCs Gem & Jewellery Buyer-Seller Meet 2025 commenced with an air of optimism and global camaraderie, setting the stage for fruitful partnerships and meaningful dialogue between Indian manufacturers and international buyers.
The event was inaugurated with a grand unveiling, paving the way for over 40 international buyers to engage in curated one-on-one business meetings with Indian jewellery manufacturers and exporters. The venue buzzed with activity as new connections were forged and long-standing business relationships were rekindled.
Among the notable international buyers. Lisi Fracchia from Spain, visiting India for the first time, expressed her delight at the overwhelming business prospects. Her experience at the BSM not only introduced her to new business avenues but also gave her the opportunity to reconnect with existing suppliers participating in the show.
Cloyette Harris Stoute, representing Alliyette, USA, is also making her maiden visit to India. Her objective of understanding India’s advanced jewellery manufacturing technology and the comprehensive supply chain process was met with great satisfaction. Deeply impressed by her interactions with exhibitors, she shared her enthusiasm about returning in the future.
On the domestic front, Hitesh Thakar, General Manager at Mohit Diamond Pvt. Ltd, reflected on the invaluable insights gained during his meetings. He noted that conversations with buyers revealed their strategic focus on brand expansion, opening up new opportunities for his company to scale their business and adapt to evolving global demand.
Priyank Shah of Walking Tree, participating as a first-time exhibitor, commended the event’s structured format. The carefully filtered buyer group enabled targeted interactions, resulting in serious inquiries from markets such as the USA, Kazakhstan, Brazil, and beyond—particularly for custom-made jewellery.
The first day concluded on a high note, with an atmosphere rich in collaboration and discovery. The meet not only reflected the strength of India’s jewellery sector but also its growing global appeal.
National News
Correction In Gold Prices Prompts Margin Calls On Some Bullet‑Repayment Gold Loans
NBFCs, Have Started Shifting Toward EMI Based Gold Loan Products To Reduce LTV Vulnerability
A sharp correction in gold prices over recent months has prompted margin calls on some bullet‑repayment gold loans, while EMI (regular‑instalment) loans have stayed largely insulated; this dynamic and recent RBI rules (effective April 1, 2026) have pushed non‑bank lenders to migrate toward EMI‑based products to reduce future margin‑call risk.
Bullet loans keep principal outstanding until maturity, so a fall in gold’s market value raises the loan‑to‑value (LTV) ratio quickly and can trigger margin calls or demands for extra collateral; lenders have invoked margin calls in some cases as prices fell over five months.
EMI loans reduce outstanding principal every month, creating an equity cushion that buffers the borrower against modest price corrections and so have remained largely unaffected in the recent correction.
Market participants attribute the correction to geopolitical events and renewed concerns about interest‑rate trajectories, which reduced safe‑haven flows and weighed on prices.
Key elements of the new RBI gold‑loan framework (effective April 1, 2026)
- Tiered LTV caps: 85% for loans up to Rs 2.5 lakh, 80% for Rs 2.5–5 lakh, and 75% above Rs 5 lakh. This standardises collateral limits across lenders.
- Requirement that borrowers repay principal and interest within 12 months (ending the widespread practice of rolling by paying only interest) and stricter auction/valuation and borrower‑protection rules (30‑day average or previous‑day price for valuation, faster release of gold on closure, mandated disclosures, auction reserve pricing rules).
- LTV for bullet loans must be calculated on the total amount repayable at maturity, which makes bullet structures less attractive under the new framework.
Industry response and product shift
- Non‑bank lenders (NBFCs, smaller finance companies) have started shifting toward EMI‑based gold‑loan products to reduce LTV vulnerability and margin‑call exposure, and to align with RBI’s consumer‑protection and repayment‑discipline aims.
- Lenders say they can manage risks on short‑term loans and through active LTV monitoring, but the structural incentive now favours EMI schedules because they steadily reduce outstanding balances.
Correction In Gold Prices Prompts Margin Calls On Some Bullet‑Repayment Gold Loans
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