If you are planning to take a gold loan from SBI in 2025, the bank has introduced several new guidelines that every borrower must understand. These updated rules will impact how much loan you can get, what type of gold is acceptable, and how your pledged jewellery will be returned. Knowing these changes beforehand can help you avoid delays and get the maximum benefit from your gold loan.
What Has Changed in SBI Gold Loan Rules?
State Bank of India has updated its gold loan policy to make the process more transparent, secure and customer-friendly. The bank is now focusing on standardised valuation, stricter eligibility checks and faster gold release after loan closure. These changes protect both the customer and the bank from disputes or misuse.
Revised Loan-to-Value (LTV) Ratio
Under the new norms, the loan amount you receive will depend strictly on the market value and purity of your gold. The LTV ratio has been capped at a maximum of 75%, meaning you will receive up to 75% of your gold’s assessed value. This ensures responsible lending and protects customers from over-borrowing.
Only Processed Jewellery Accepted
SBI will no longer provide loans against raw gold, unverified items or for the purpose of purchasing gold. Only processed gold jewellery of required purity levels will be allowed. This prevents fraudulent pledging and ensures fair valuation for borrowers.
Faster Release of Gold After Loan Closure
One of the customer-friendly changes in 2025 is the commitment to return pledged gold within a shorter period after full repayment. This provides assurance and convenience to borrowers who want quick access to their jewellery once the loan is cleared.
Uniform Valuation and Purity Testing
All branches will now follow a standardised valuation process, ensuring accurate weight and purity measurement. This means borrowers will receive fair pricing regardless of which SBI branch they visit. It also eliminates confusion and ensures transparency during the loan approval process.
Interest Rate & Loan Tenure
Interest rates for SBI gold loans in 2025 start at competitive levels, making it a preferred choice for urgent financial needs. Loan amounts typically begin from ₹20,000, and tenures may extend up to 36 months, depending on the scheme and customer profile.
What Borrowers Should Do Before Applying
Before pledging your gold, make sure it meets purity standards and is eligible for valuation. Carry all required documents, discuss interest rates and LTV ratio clearly, and confirm the timeline for gold return after repayment. This will help you avoid misunderstandings and get a hassle-free loan experience.
Conclusion: SBI’s new gold loan rules for 2025 bring more clarity, safety and fairness to the borrowing process. With a regulated LTV ratio, strict eligibility for gold items and fast return of pledged jewellery, customers can expect smoother and more transparent service. If you are planning to pledge your gold this year, understanding these new rules will help you make the right financial decision.
Disclaimer: Rules, LTV ratios and gold eligibility may vary by branch or region. Always check the latest details directly with your nearest SBI branch before pledging your gold.
