Question
What is the new LTV ratio for gold loans up to ₹2.5
lakh after RBI’s revision?Solution
The Loan-to-Value (LTV) ratio for loans against gold up to ₹2.5 lakh has been increased by the RBI from 75% to 85%. This means that borrowers can now avail loans up to 85% of the value of the gold pledged. This change aims to improve liquidity availability for small borrowers while maintaining regulatory checks on credit risk.
The Central Bureau of Investigation (CBI) launched an AI-based helpbot named ‘ABHAY’ in May 2026. What does ABHAY stand for?
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