RBI New Banking Rules From October 1, 2025: Relief in EMIs and Gold Loans

RBI New Banking Rules From October 1, 2025 se lagu kiye hain. Jaane kaise aapko milega EMI aur gold loan me relief, aur borrowers par iska kya asar hoga.

Introduction – RBI New Banking Rules

October 1, 2025 se Reserve Bank of India (RBI) ne kuch naye banking rules lagu kiye hain jo loan borrowers ke liye direct relief la rahe hain. RBI ka focus borrowers ka burden kam karna aur lending system ko transparent banana hai.

Is blog me hum detail me dekhenge:

• EMI par aane wali relief

• Gold Loan ke naye rules

• Borrowers ke liye iska impact

• Important FAQs

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EMI Relief Rules (Effective October 1, 2025)

1. Floating Interest Rate Transparency

• Ab banks ko EMI calculation ke liye repo rate + spread clearly disclose karna hoga.

• Borrowers ko pata chalega ki unke EMI ka base rate kya hai.

2. EMI Reset Frequency

• Har bank ko borrower ko EMI reset option dena hoga.

• Matlab agar repo rate kam hota hai to uska benefit directly borrower ko milega.

• EMI reset har 3 month ya 6 month par compulsory hoga.

3. Prepayment / Foreclosure Charges

• RBI ne clear kar diya hai ki floating rate home loan par koi prepayment penalty nahi lagegi.

• Borrowers apna loan jaldi close karke interest saving kar sakte hain.

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Gold Loan Relief Rules (Effective October 1, 2025)

1. Loan-to-Value (LTV) Ratio

• Ab borrowers ko gold ke value ka 90% tak loan mil sakta hai (pehle 75-80% tha).

• Matlab agar aapke paas ₹1,00,000 ke gold ornaments hain to aapko ₹90,000 tak loan mil sakta hai.

2. Extended Tenure

• RBI ne gold loan tenure ko 12 months se badha kar 24 months kar diya hai.

• Isse repayment ka pressure kam hoga.

3. Interest Rate Cap

• Banks aur NBFCs ko ab transparent rate disclose karna hoga, hidden charges allowed nahi honge.

• Borrowers ko fair pricing milegi.

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Borrowers ke Liye Impact

✅ Home Loan Customers

• Repo rate cut ka direct benefit EMI me milega.

• Prepayment free hone se interest me lakhon ki saving possible.

✅ Gold Loan Customers

• Zyada loan amount milne ka option.

• Repayment ke liye double time (24 months).

• Lower interest aur clear terms ka benefit.

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Industry Experts Ka View

• Experts kehte hain ki ye steps loan borrowers ke favour me ek big relief hai.

• EMI reset aur prepayment freedom se middle-class families ko huge financial relief milega.

• Gold loan segment me demand aur zyada badhne ki possibility hai.

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FAQs – RBI New Banking Rules

Q1. RBI ke naye rules kab se lagu ho rahe hain?
👉 October 1, 2025 se.

Q2. EMI reset ka matlab kya hai?
👉 Agar repo rate kam hota hai to bank ko aapki EMI reduce karni hogi (3 ya 6 months me reset).

Q3. Kya ab gold loan par zyada paisa milega?
👉 Haan, ab aapko gold value ka 90% tak loan mil sakta hai.

Q4. Gold loan tenure kitna ho gaya hai?
👉 Ab 24 months tak repayment time milega.

Q5. Kya home loan prepayment par penalty lagegi?
👉 Nahi, floating rate loans par koi penalty nahi hai.

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Conclusion

RBI ke naye banking rules (October 1, 2025 se) borrowers ke liye ek major relief lekar aaye hain.

• Home loan customers ko EMI transparency aur prepayment freedom milega.

• Gold loan customers ko zyada loan aur lambi repayment time milega.

👉 Ye rules borrowers ka financial burden kam karne aur banking system ko fair aur transparent banane ki taraf ek bada kadam hai.

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