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What are the implications of pledging foreign gold coins or jewellery?

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

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33

Most lenders in India hesitate to take foreign-minted coins or jewellery as collateral for their gold loan.

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

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34

Gold loans are quick, yes — but they’re not your only options. It really depends on what you’re dealing with: a sudden bill, a business gap, or just a short-term crunch.

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

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36

Banks and Non-Banking Financial Companies (NBFCs) both offer gold loans under Reserve Bank of India guidelines, so the basic rules, like the loan-to-value limits, typically remain the same.

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

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36

Lenders don’t rely on one gadget or one check. They layer technology with simple, on-ground controls so the process stays clean and traceable.

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

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33

Once you take a gold loan, the jewellery stays with the lender until repayment.

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

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35

When a gold loan comes up for renewal or extension, lenders usually reassess the pledged jewellery instead of relying on the earlier valuation. This helps ensure that the loan remains adequately secured under current conditions.

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

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39

Before a pledged gold item is put up for auction, lenders carry out a fresh valuation to avoid relying on outdated figures while approving your gold loan.