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Gold loan rules eased , small borrowers can  get 85% of gold value

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In a move aimed at easing access to credit for small borrowers while tightening regulations for larger loans, the Reserve Bank of India (RBI) has raised the loan-to-value (LTV) ratio for small-ticket loans against gold.

From now on, borrowers can avail up to 85% of the gold’s value as a loan for amounts up to ₹2.5 lakh, up from the previous cap of 75%. For loans between ₹2.5 lakh and ₹5 lakh, the LTV cap is 80%, and it remains 75% for loans above ₹5 lakh, according to the newly released RBI (Lending Against Gold and Silver Collateral) Directions, 2025.

The LTV ratio refers to the loan amount as a percentage of the pledged gold or silver’s value. For loans with bullet repayments (full repayment at the end), the LTV will be based on the total repayable amount at maturity.

Borrowers must declare that they own the gold or silver pledged. Loans will not be granted if ownership is doubtful.

 

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National News

Mia by Tanishq Joins Hornbill Festival 2025 Nagaland as Style Partner, Celebrating Stories of Culture, Craft and Contemporary Indian Women

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Mia by Tanishq, India’s leading contemporary fine jewellery brand, has come on board as the Official Style Partner for the Hornbill Festival 2025 – one of the country’s most cherished celebrations of cultural heritage, artistry, community, and creative expression. Through this partnership, Mia brings its “Precious, every day” philosophy to a festival that beautifully mirrors the very values the brand stands for: individuality, confidence, craftsmanship, and the power of personal stories.

Shyamala Ramanan, Business Head – Mia by Tanishq, shared the main dais with the Chief Minister of Nagaland, Ambassadors and Ministers at the inauguration and addressed audiences reinforcing Mia’s leadership and commitment to the region.

Across the 10-day festival at Kisama Heritage Village, Mia by Tanishq curates a dedicated engagement zone. On day three of the event, the brand will unveil special edition “Mia x Hornbill” pendants at the Raj Bhavan, inspired by the spirit of culture, craft, and modern femininity. The brand also offers thoughtfully designed merchandise and product giveaways that enhance the visitor experience while staying true to the festival’s emphasis on heritage, creativity, and community.

Speaking about the collaboration, Shyamala Ramanan, Business Head – Mia by Tanishq, said, Our partnership with the Hornbill Festival reflects Mia’s commitment to celebrating culture, creativity and the evolving narrative of Indian women. The North East – vibrant, distinctive and deeply rooted in artistic expression, has always inspired us, and with Tanishq’s trusted presence in Dimapur, this association strengthens our bond with the region. The ‘Mia x Hornbill’ pendants represent our belief that jewellery is not just adornment, but a powerful medium of identity and self-expression. It is our tribute to the people of Nagaland, whose stories of strength, individuality and cultural pride continue to inspire Mia’s modern design language.”

Mia by Tanishq continues to inspire women across India with trendy, modern, expressive designs crafted for every moment and story, and the association reinforces a renewed commitment to celebrating the everyday stories of women in the Northeast through jewellery that honours both culture and contemporary self-expression.

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