Pledge silver jewelry, coins to get bank loan

Business Nov 11, 2025

Starting April 2026, you'll be able to get a bank loan by pledging your silver jewelry or coins—not just gold.
The RBI's new rules mean both banks and NBFCs can accept silver as collateral, making it easier for people to unlock value from what they already own.

Everything you need to know about the new rules

The policy is all about keeping things clear and fair: only jewelry and coins (no bullion) are allowed, with limits set at up to 10kg of silver jewelry or 500g of silver coins per borrower.
Depending on your loan amount, you can get up to 85% of the silver's value for loans up to ₹2.5 lakh, with lower percentages for higher loan amounts.
Plus, you'll receive all documents and valuation reports in your preferred language, so the process feels straightforward and accessible.