MUTHOOT FINANCE, MANAPPURAM; RBI Releases directions on lending against gold, silver collateral Maximum loan-to-value ratio to be 85% for gold loans up to 250,000 Maximum loan-to-value ratio 80% for gold loans *2.5-5 lakh Maximum loan-to-value ratio 75% for gold loans above 5 lakh Need detailed credit assessment for gold loans above ₹2.50 lakh