According to the Reserve Bank of India guidelines, all commercial banks must strictly maintain a uniform Loan-to-Value (LTV) ratio of 95% for gold loans to cushion against domestic retail inflation.
If a micro-entrepreneur or a small farmer secures a loan by pledging gold jewelry to fund business operations or agricultural inputs, such credit can be structurally factored under the Priority Sector Lending (PSL) targets.
High growth in the gold loan portfolio of banks automatically spikes their Gross Non-Performing Assets (GNPA) because gold is highly vulnerable to physical depreciation over the loan tenure.
Which of the statements given above is/are correct?
Your result is as below :
May 21, 2026
May 20, 2026
May 19, 2026
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