From silver loans to no-surprise fees: RBI’s 2025 lending overhaul puts borrowers in driver’s seat: Here’s what has changed

⦁RBI says bullet gold loans — where you pay principal + interest at once — must be closed within 12 months.
⦁Both gold and silver loans will now be valued strictly on daily IBJA metal rates, not including stones or design value.
RBI’s new rulebook = More power to borrowers
⦁These 2025 RBI updates aim to make India’s lending system more transparent, disciplined, and fair.
⦁Borrowers get clearer information, faster rate relief, and more control over personal and asset-backed loans.