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Fin Shorts| May 21, 2025
What Is The Reappraisal of A Gold Loan?
A reappraisal of a gold loan is a periodic reassessment of the pledged gold’s value to ensure your loan-to-value (LTV) ratio remains accurate.
Key Points:
- Purpose: Adjusts loan amount or interest based on current gold rate.
- Process: Lender weighs and tests purity, then applies the latest market price.
- Frequency: Typically every 3–6 months or upon borrower’s request.
Impact:
- If gold value rises → you can borrow more or lower your interest.
- If gold value falls → lender may ask for additional collateral or adjust EMIs.
- Borrower Action: Monitor gold rates and request reappraisal when favorable.
Suggested Read: Gold Loan - Know about Eligibility, Interest Rates and Tenure
A timely reappraisal safeguards both you and the lender, keeping your gold loan aligned with real-time market conditions.
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