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Loans Against Digital Gold Are Available With LTV Limits
Borrowing against digital gold is possible but limited by conservative loan-to-value caps.
Fintech lenders such as Stashfin and Airtel Finance offer loans against digital gold with loan-to-value ratios of 70–75%. For instance, ₹1 lakh in holdings may provide ₹70,000 credit eligibility. Interest rates range from 12% to 18% annually. Some banks require converting the digital gold into physical form before lending. LTV limits safeguard lenders from short-term 5–10% price volatility while ensuring responsible borrowing.