National News
RBI issues guidelines for loans against silver
The Reserve Bank of India (RBI) has introduced a formal, standardized framework for loans against silver, which will be fully effective from April 1, 2026. These new guidelines bring silver lending under a unified regulatory umbrella, similar to existing gold loan regulations, to protect borrowers and formalize the market.
Key RBI Guidelines for Loans Against Silver
The “Reserve Bank of India (Lending Against Gold and Silver Collateral) Directions, 2025” establish the following rules for all regulated entities, including commercial banks and Non-Banking Financial Companies (NBFCs):
- Eligible Collateral: Only silver jewellery, ornaments, and coins with a minimum purity of 925 (sterling silver) are accepted.
- Ineligible Collateral:Â Loans cannot be offered against primary silver (bullion, bars, or slabs), or financial products like Silver Exchange-Traded Funds (ETFs) or mutual funds.
- Collateral Limits: A borrower can pledge up to a maximum of 10 kilograms of silver ornaments and up to 500 grams of silver coins.
- Loan-to-Value (LTV) Ratio:Â The maximum LTV (loan amount as a percentage of the silver’s value) is tiered based on the loan amount:
- 85%Â for loans up to Rs.5 lakh.
- 80%Â for loans between Rs2.5 lakh and â‚ą5 lakh.
- 75%Â for loans above Rs.5 lakh.
- Valuation:Â Silver collateral is valued based on its intrinsic value and actual purity. The reference price will be the lower of (a) the average closing price over the preceding 30 days or (b) the closing price of the preceding day, as published by the India Bullion and Jewellers Association Ltd. (IBJA) or a SEBI-regulated commodity exchange.
- Loan Purpose:Â The guidelines cover loans for consumption and income generation purposes. Lenders are generally prohibited from extending loans for the speculative purchase of silver.
- Borrower Protection:Â Lenders must follow standardized procedures for purity checks, provide clear loan terms in the borrower’s language, and securely store the collateral. Penalties are in place for delayed release of collateral after full repayment (â‚ą5,000 per day after seven working days).
- No Re-pledging:Â Lenders are prohibited from re-pledging the silver collateral to other entities.Â
National News
ANOR Redefines Luxury: Pioneering Premium Lab-Grown Diamond Jewellery for India’s Elite
ANOR, a trend setter in the premium lab grown diamond and gemstone jewellery, is redefining the language of modern luxury for India’s most discerning collectors. WIth a deep focus on design, ANOR has elevated the lab grown diamond jewellery category from accessible to aspirational bringing rare artistry, innovation, and emotion into every creation.
Founded by Bina Choksi, a visionary self taught designer from a fourth-generation diamantaire family, ANOR is rooted in over 75 years of heritage and craftsmanship. Bina’s design philosophy blends architectural precision with soulful storytelling crafting pieces that transcend trends and speak to personal milestones. Her quiet elegance and pursuit of perfection have shaped ANOR into a brand that stands for refined indulgence and meaning.
From one-of-a-kind statement pieces to intimate gifting collections, ANOR’s designs celebrate the grandeur of life’s rarest moments, engagements, weddings, and timeless keepsakes. Each creation is hand-finished to perfection using lab grown diamonds and gemstones, reflecting ANOR’s belief that the future of luxury lies in design innovation and experience.Â
“Our clients come to ANOR not just for jewellery, but for an experience,” says Bina Choksi. “They appreciate craftsmanship that’s personal, understated, and deeply meaningful pieces that carry emotion as much as brilliance.”
The brand’s latest milestone, the launch of its flagship boutique in South Extension I, New Delhi marks its entry into North India’s wedding capital. Designed as a retail for walkin clients and private lounge for bridal collections, the space mirrors ANOR’s hospitality-first philosophy, offering a discreet and intimate environment where every guest is personally attended to by jewellery specialists.
At the invite-only opening, members of India’s leading families spoke of why they return to ANOR: its bespoke service, its sense of quiet exclusivity, and the rare privilege of direct design interactions with Bina herself.
With locations in New York, Mumbai, and New Delhi, ANOR continues to lead the evolution of premium grown diamonds; one defined by artistry, authenticity, and emotion.
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