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How do lenders handle valuation discrepancies in gold between customer and evaluator?

Posted:30th December, 2025
Updated:30th December, 2025

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43

When there is a difference between what a borrower expects their gold to be worth and the value

Posted:30th December, 2025
Updated:30th December, 2025

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60

If a borrower passes away before a gold loan is repaid, the lender does not automatically take ownership of the pledged jewellery.

Posted:30th December, 2025
Updated:30th December, 2025

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50

Foreclosing a gold loan simply means closing it before the tenure ends.

Posted:30th December, 2025
Updated:30th December, 2025

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39

If your gold loan is close to its loan tenure end date, you can usually close it and apply for a new loan.

Posted:30th December, 2025
Updated:30th December, 2025

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42

The tax treatment of interest paid on a gold loan depends entirely on how the borrowed funds are used. There is no blanket deduction available simply because the loan is secured against gold.

If the loan is taken for business or professional purposes, the interest paid may be claimed as a business expense, provided it is supported by proper records. This usually includes loan statements, bank trails, and documents that clearly show the funds were used for business activities.

Posted:30th December, 2025
Updated:30th December, 2025

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37

Valuing gold artifacts isn’t as easy as checking a few ornaments for weight and purity.

Posted:30th December, 2025
Updated:30th December, 2025

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39

If the gold is under dispute, pledging it carries risk for both the gold loan borrower and the lender, as unclear ownership or documentation can complicate recovery and make enforcement difficult later.