neutral
Recently
Using Digital Gold for Collateral in NBFC Apps
Some NBFCs accept digital gold as collateral, but loan-to-value ratios vary based on platform integration and custodian arrangements.
Some digital gold platforms offer loans against holdings with a typical loan-to-value ratio of 75%. For ₹10,000 worth of gold, borrowers can access approximately ₹7,500 in cash. The margin safeguards lenders from sudden price drops. If gold prices fall sharply and additional collateral may be required. While this option preserves ownership, interest costs and margin risks must be considered carefully.