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தங்க நகை கடன்: RBI’s latest gold loan guidelines mandate banks to release pledged jewelry within 7 working days after full repayment, with a ₹5,000 daily penalty for delays—up to ₹35,000 after a week. LTV ratios now tier at 85% for loans up to ₹2.5 lakh, 80% up to ₹5 lakh, and 75% above, benefiting small borrowers. Loan agreements must be in local languages for better transparency.
செய்திகள் நகை கடன், வேளாண் கடன் தள்ளுபடி? அடுத்தடுத்த மெகா அறிவிப்புகளை வெளியிடுகிறாரா ஸ்டாலின்? News oi-Devika Manivannan By Devika Manivannan Published: Saturday, February 21, 2026, 9:48 [IST] Share This Article தமிழ்நாட்டில் அடுத்த சில மாதங்களில் சட்டமன்ற தேர்தல் நடைபெற இருக்கிறது. ஒருபுறம் கூட்டணி பேச்சு வார்த்தைகள், தொகுதி பங்கீடுகள் உள்ளிட்டவை நடைபெற்று வருகின்றன. அதே வேளையில் பிரதான கட்சிகளான திமுகவும், அதிமுகவும் தேர்தல் வாக்குறுதிகளை தயாரிக்கும் பணிகளை முன்னெடுத்து இருக்கின்றன.இந்த தேர்தலில் மீண்டும் ஆட்சியை தக்க வைத்து விட வேண்டும் என திமுக மிகத் தீவிரமாக இருக்கிறது, இழந்த ஆட்சியை கைப்பற்றி விட வேண்டும் என அதிமுகவும் தீவிரமாக செயல்பட்டு வருகிறது. எனவே மக்களை கவரக்கூடிய வகையிலான அறிவிப்புகளை இரண்டு கட்சிகளுமே தொடர்ச்சியாக வெளியிட்ட வண்ணம் இருக்கின்றன.பெண்களின் வாக்குகளை கவரும் வகையில் தமிழ்நாடு அரசு மகளிர் உரிமைத் தொகை திட்ட பயனாளிகளுக்கு…
Muthoot Finance shares declined following a quarterly earnings report, with investors concerned that gains primarily from wage-based loan recoveries rather than core business growth could limit future profits. The broader gold loan sector and gold price movements contributed to cautious sentiment in Indian financial markets.
The Reserve Bank of India has introduced new lending rules to improve credit access for micro and small enterprises. From April 1, 2026, banks must offer collateral-free loans up to ₹20 lakh, with scope to extend this to ₹25 lakh based on borrower performance. RBI has also clarified that banks may accept gold and silver voluntarily pledged by borrowers without violating norms, strengthening suppor
Three practical tips for Indian home loan borrowers to repay a 25-year loan in just 10 years and save lakhs in interest. First, pay one extra EMI annually (e.g., ₹40,000) to reduce principal and cut tenure to 20 years. Second, increase EMI by 7.5% yearly aligned with salary hikes (e.g., from ₹40,000 to ₹43,000).
Union Budget 2026 has clarified a crucial tax benefit for self-occupied home loan borrowers. The government confirmed that the ₹2 lakh deduction on home loan interest will continue to include pre-construction or prior-period interest under the new Income Tax Act, 2025. This removes ambiguity and protects deductions for middle-class homeowners who paid interest before possession, ensuring continuit
Many middle-class families fall into the home loan insurance trap, pressured by banks to buy expensive linked policies adding lakhs to EMIs through fear tactics claiming it’s mandatory. RBI and IRDAI confirm it’s optional, yet agents earn high commissions. Prepayment ends cover with forfeited premiums. Better alternative: independent term insurance at half cost offers flexible, full-term family pr
Many middle-class families fall into the home loan insurance trap, pressured by banks to buy expensive linked policies adding lakhs to EMIs through fear tactics claiming it’s mandatory. RBI and IRDAI confirm it’s optional, yet agents earn high commissions. Prepayment ends cover with forfeited premiums. Better alternative: independent term insurance at half cost offers flexible, full-term family pr
RBI’s verbal advisory on surging gold volatility banks to lower gold loan LTV ratios from 70-75% to 60-65% says Report. This will slash loan amounts against the same jewelry. Common people face tighter liquidity, pushing vulnerable households toward informal moneylenders.
Loan against shares allows investors to borrow up to 50% of the market value of their stocks, providing quick access to funds without selling shares. However, market volatility can trigger margin calls requiring cash top-ups or forced share liquidation if the collateral value drops significantly.
