Author

K. R

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Open access Sep 2026

Regulation or rate cut? Pricing India's gold-loan directions

The Reserve Bank of India issued draft directions regarding lending against gold collateral on 9 April 2025. It issued softened, finalised directions in the opposite direction on 6 June 2025, a decision made on two separate monetary policy announcement days, both followed by rate cuts. Such an event study does not addr...

K. R, G. C · International Journal for Sc... · 0 citations

Review Open access 2026

Harmonizing a Fragmented Framework: The Reserve Bank of India's 2025 Directions on Lending Against Gold and Silver Collateral

Lending against gold collateral occupies an unusual position in Indian retail credit. It is large, growing quickly, and until 2025 it was governed by rules that differed by the type of institution making the loan rather than the nature of the exposure. The Reserve Bank of India closed that gap in June 2025 by issuing a...

K. R, G. C · International journal of res... · 0 citations