India Allows Silver Loans from April 2026: Gold-Like Collateral for Jewelry & Coins

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Starting April 2026, India's Reserve Bank introduces a game-changing regulation: for the first time, households can secure loans using silver jewelry and coins, just like gold.

Individuals may pledge up to 10 kg of silver ornaments or 500 grams of coins through banks and approved institutions.This applies only to jewelry and coins, not bars or other forms, with loan values based on official pricing guidelines. The policy targets regions rich in silver assets, boosting credit access for everyday families.

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