Rbi new rule Archives -

How to get loan against silver kept at home? If you know this rule of RBI then you will not face any problem.

Admin — Mon, 10 Nov 2025 08:51:11 +0000

The Reserve Bank of India has recently announced the implementation of a new rule, giving great relief to the general public. According to RBI, now you will be able to take loan not only against gold but also against the silver kept at home. This facility will start from 1 April 2026. The implementation of this facility means that if you ever suddenly need money, be it for children’s education, investment in business or medical emergency, then instead of selling your silver jewelery or coins, you will be able to easily take a loan by mortgaging them. In such a situation, let us tell you today what is this rule of RBI regarding loan against silver and how much loan will you be able to take against silver.

Who will give loan against silver?

According to the RBI circular, almost all the major banks and financial institutions of the country will now start providing silver loan facility. In this, commercial banks, small finance banks, regional rural banks, urban and rural co-operative banks will give loans against silver. Apart from this, non-banking financial companies and housing finance companies are also involved in this. Its advantage will be that now every person from village to city will be able to get loan service easily and the general public will now be able to take loan against silver instead of gold.

How much silver will have to be pledged and how much loan will be given?

RBI has clearly set the rules for loan against silver. According to RBI, customers can take a loan by pledging a maximum of 10 kg of silver jewelery and 500 grams of silver coins. The banks will evaluate these jewelery and coins and decide the loan amount according to their current market value. This entire process will be based on loan to value ratio, which means that the loan will be given to you according to the value of the silver you pledge. According to reports, if you pledge silver up to Rs 2.5 lakh, you can get about 85 percent of its value as loan. At the same time, if the price of silver is up to Rs 5 lakh, then you will get up to 75 percent of the amount as loan. However, this facility will not be available on all types of silver. Loan cannot be taken against investment schemes like Silver Bricks, Silver ETF or Mutual Funds.

Rules for repaying loan and returning silver

According to the instructions of RBI, when the customer repays the entire loan amount, the bank or financial institution will have to return the silver within seven working days. If the bank or institution delays, then a fine of Rs 5000 per day can be imposed on it, whereas if the customer is unable to repay the loan on time, the bank will have the right to recover its amount by selling the pledged silver.

Who will benefit the most?

It is believed that small businessmen, farmers and housewives will benefit the most from this decision of RBI. At the same time, people who have silver jewelery or coins but are facing shortage of money will now be able to easily get a loan without selling them. With this, people living in rural and urban areas will be able to get financial help in emergency.

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Now more tightens will be tightened on online fraud, RBI going to take this big step

Admin — Fri, 26 Sep 2025 12:13:35 +0000

Rbi new online payment rule: The Reserve Bank of India has made some necessary changes to make digital payments more secure. Which will be implemented from April 1, 2026. RBI is going to do two-factor authentication in digital payments. Apart from SMS OTP, transactions will be identified in many new ways like password, fingerprint and biometrics. The RBI wants to make online transactions more secure and convenient in these ways. So that people can be protected from fraud and cybercrime.

RBI has announced that the new rules of digital payment will be implemented from April 1. The RBI has given strict guidelines that if the customers who do not follow these rules during these online payments, will have to make complete compensation for their losses themselves.

Which will be the new ways?

RBI has informed that in addition to SMS OTP, options like password, passfrez PIN, debit card, software token, fingerprint or biometrics can be used for two-factor authentication. RBI has clearly stated that two factor authentication will be mandatory, as well as SMS OTP can also be used.

Why is it needed?

The number of people making online payments in India is increasing every day, as well as the crime of cyber criminals. Today, almost everyone in India is using online payment mode. Online payment is being accepted today from small shops to vegetable carts. It has reached almost every hand in India today, but the problem stands there, where there is talk of protecting people from cyber criminals.

People often get cheated online and they lose their years of earnings. People are getting digital arrests and they are hesitant to inform the police and lose their hard earned money. Keeping all these things in mind, RBI has said to implement two-factor authentication.

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Money will come in the account in hours after the check is submitted, RBI’s new clearing system will be applicable from October 4

Admin — Thu, 14 Aug 2025 12:28:08 +0000

Rbi new rule: The Reserve Bank of India has given relief to crores of customers by changing the rules of depositing checks in banks. This will benefit those who usually pay by check. Check clearance takes a long time in our country’s banking system. That is, it takes 2-3 days to get money in the account on payment by check. Due to this delay, there are problems for those people or traders who usually pay or take a check on check. However, this will not happen now.

Clearance system will gain momentum

The Reserve Bank of India (RBI) is going to bring a fast clearance system. With this, money will come in the account after a few hours of depositing the check. From October 4, 2025, the time taken in check clearance process will be reduced to a great extent. This change will be under the check tankation system (CTS). Where till now it took T+1, ie Till the next Working Day to clear the check. If the check is from another bank, it takes up to three days. At the same time, now the entire clearance process will be reduced to a few hours.

Clearing will continue throughout the day

According to the RBI circular, this new system will be known as ‘Continuous Clearing and Settlement on Realization’. That is, there will be frequent clearing during functioning in banks. Since till now, processes were made in check batch under check tankation system (CTS), so it used to take time for clearance. Whereas under this new system, the check scanned in the bank from 10:00 am to 4:00 pm will be sent to the clearing house immediately. This will speed up the process.

Rules will be more strict in the second phase

The new system will be implemented in two stages. The first phase will begin on October 4, 2025 and the second phase will begin on January 3, 2026. In the first phase, banks will have to do positive or negative verification of checks by 7 pm. No timely verification checks will be considered as approved and they will be included in the settlement.

At the same time, in the second phase, rules will be made more strict. In this, the verification of the check will have to be done in 3 hours. If the bank gets a check between 10:00 am to 11:00 pm, then it will get time for verification till 2:00 pm. After the completion of the settlement, the clearing house will send confirmation details to the bank and the money will be sent to the customer immediately.

It has to be kept in mind that it should not take more than one hour after settlement in sending money. Its purpose is to reduce the risk of settlement, improve efficiency and provide more better to customers.

Also read:

Do you also have an account in SBI? This rule is going to change from August 15; Case is related to online payment

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