Business
RBI Gold Loan Guidelines 2025: What Borrowers Must Know
Introduction
Gold Loans continue to be one of the most accessible credit options in India. With their quick processing and security-backed nature, they’ve helped millions manage short-term financial needs. In 2025, the Reserve Bank of India (RBI) introduced a revised set of Gold Loan guidelines to improve transparency, borrower protection, and uniformity in lending practices. These updates are particularly relevant for anyone considering a Gold Loan, whether for personal emergencies, minor business requirements, or planned expenses.
Understanding RBI’s Tiered LTV Policy
RBI now follows a tiered loan-to-value (LTV) ratio based on the total loan amount. The LTV ratio indicates the percentage of the gold’s value that can be sanctioned as a loan. As per the latest framework:
- Loans up to ₹2.5 Lakh: Maximum LTV capped at 85%
- Loans between ₹2.5–₹5 Lakh: Maximum LTV capped at 80%
- Loans above ₹5 Lakh: LTV restricted to 75%
This change encourages responsible lending and ensures that smaller borrowers can access slightly higher loan amounts relative to the value of gold pledged.
Assessment of Borrower Creditworthiness
While smaller loans up to ₹2.5 Lakh may be offered without detailed credit appraisals, any loan amount exceeding this threshold requires a thorough credit assessment of the borrower’s repayment capacity. This step protects financial institutions and borrowers alike by aligning loan disbursements with the borrower’s ability to repay. Loan renewals or top-up loans can only be sanctioned following such credit assessments and must remain within permissible LTV limits. Bullet repayment loans may only be renewed after accrued interest has been paid.
Valuation and Purity Checks
RBI mandates a standardised process for assaying the gold pledged as collateral. The valuation of the pledged metal must be based solely on its intrinsic value without including stones, gems, or other embellishments. The price used to assess the value of the collateral should reflect its actual purity (caratage). This value must be based on the lower of either the average closing price over the past 30 days or the closing price from the previous day. These prices should be sourced from either the India Bullion and Jewellers Association Ltd. (IBJA) or a commodity exchange regulated by the Securities and Exchange Board of India (SEBI).
If prices for a specific purity are unavailable, valuation should be adjusted proportionately based on the nearest available purity. The assaying procedure and valuation methodology must be consistent across all branches of a lender, and borrowers must be present during assaying. Deductions related to non-metallic components, such as stones or lac, should be explained and documented in a certificate issued to the borrower. The lender is required to issue this certificate in duplicate, one for its records and one for the borrower’s acknowledgement.
Ownership Documentation and Anti-Money Laundering Measures
Lenders are required to ascertain that the ownership of the pledged collateral is not doubtful. Where ownership documents such as purchase bills are unavailable, lenders should obtain a declaration from the borrower affirming rightful ownership. Further, multiple or frequent loans granted to a single borrower aggregating beyond a certain threshold must be closely monitored under anti-money laundering (AML) regulations to prevent misuse or fraud.
Restrictions on Collateral Use and Loan Tenure
The RBI prohibits lending against primary gold, such as financial assets backed by gold ETFs or mutual funds. Collateral that has been pledged to a lender must not be repledged or used to secure loans from other institutions. Additionally, the tenure of consumption loans structured as bullet repayments is capped at 12 months, though renewals are permissible by appropriate regulations.
Collateral Limits for Ornaments and Coins
To mitigate risks linked to collateral management, the maximum aggregate weight of gold ornaments pledged by a borrower should not exceed 1 kilogram. Similarly, limits apply to coins: 50 grams for gold coins.
Settlement, Auction Procedures, and Borrower Protection
Upon full repayment or settlement, lenders must release the pledged collateral within seven working days immediate release on the same day is encouraged wherever possible. Before auctioning pledged items due to non-repayment, lenders are required to notify borrowers or legal heirs, allowing a reasonable time for settlement. Auctions must be conducted transparently with adequate public notice, including advertisements in a regional language newspaper and a national daily. The collateral’s reserve price at auction must not fall below 90% of its current value, except after two failed auctions, where it may be reduced to 85%.
In instances of collateral loss, damage, or discrepancies observed during audits or returns, lenders are mandated to compensate borrowers or their legal heirs promptly. Moreover, if collateral release is delayed due to the lender’s reasons, compensation at the rate of ₹5,000 per day of delay must be made.
Lender Obligations and Disclosure
Loan agreements must comprehensively describe collateral, auction procedures, borrower rights for settlement, timelines for releasing collateral, and applicable charges related to assaying or auctioning. Communication must be provided in the borrower’s regional or preferred language. Lenders must also maintain proper infrastructure and security protocols to store collateral safely and restrict handling to authorised personnel. Periodic internal audits, surprise verification of pledged items, and regular reporting to supervisory boards on unclaimed collateral are essential components of compliance.
Ensuring Borrowers Benefit from Competitive Gold Loan Rates
For borrowers, obtaining the lowest Gold Loan rate requires careful attention to lender policies, transparency in valuation, and adherence to prescribed limits. A practical approach includes using an interest calculator for a Gold Loan to estimate monthly repayments and total interest payable based on the loan amount, LTV ratio, and tenure. This tool helps borrowers compare offers across lenders and choose the most economical option while ensuring loan terms comply with RBI regulations.
Conclusion
The RBI’s updated gold loan guidelines for 2025 contribute to a regulated, transparent, and secure credit system for pledged gold collateral. By setting clear limits on LTV ratios, collateral valuation, borrower assessment, equitable auction processes, and borrower protection measures. The Reserve Bank promotes trust and stability in gold-backed lending. Borrowers are advised to understand these provisions fully and utilise tools such as the interest calculator for a Gold Loan to make prudent borrowing decisions. Adhering to the RBI’s framework will help borrowers secure the lowest Gold Loan rate while protecting their interests throughout the loan lifecycle.
Business
Best Air Cleaners for Home: Types, Benefits, and Maintenance Tips
In today’s fast-paced world, maintaining a clean and healthy indoor environment is more important than ever. With rising pollution levels and increasing awareness about health, many people are turning to solutions that improve the air they breathe. One of the most effective tools for this purpose is an air cleaner. Whether you live in a busy city or a quiet neighborhood, an air cleaner can significantly enhance your indoor air quality and overall well-being.
What Is an Air Cleaner?
An air cleaner is a device designed to remove contaminants from the air in a room or enclosed space. These contaminants may include dust, pollen, pet dander, smoke, mold spores, bacteria, and even microscopic pollutants. Air cleaners work by drawing in air, passing it through filters, and then releasing clean air back into the environment.
Many people confuse air cleaners with air purifiers. While both serve similar purposes, air cleaners mainly focus on filtering particles, whereas purifiers may also neutralize bacteria and odors using additional technologies such as UV light or ionization.

Why You Need an Air Cleaner
One of the biggest reasons to invest in an air cleaner is to improve respiratory health. Poor air quality can lead to allergies, asthma, and other breathing issues. By removing airborne particles, an air cleaner reduces the risk of these health problems and promotes better breathing.
Another benefit is improved sleep quality. Clean air allows your body to relax and function properly, leading to deeper and more restful sleep. This is especially helpful for individuals who suffer from allergies or sinus problems.
Types of Air Cleaners
There are several types of air cleaners available, each designed to address specific air quality issues. Understanding these types can help you choose the right one for your needs.
HEPA Air Cleaners
High-Efficiency Particulate Air (HEPA) filters are among the most popular and effective options. They can capture up to 99.97% of airborne particles, including very small ones. HEPA air purifiers are perfect for individuals with asthma or allergies.
Activated Carbon Air Cleaners
These air cleaners use carbon filters to absorb odors, gases, and chemical pollutants. They are particularly useful in homes where cooking smells, smoke, or chemical fumes are common.
Electrostatic Air Cleaners
UV Air Cleaners
UV air cleaners use ultraviolet light to kill bacteria and viruses. While they do not remove particles, they are effective in sterilizing the air when used alongside other filtration systems.
How to Choose the Best Air Cleaner
Selecting the right air cleaner depends on several factors. The first thing to consider is the size of the room where you plan to use it. Air cleaners are designed to cover specific areas, so choosing one that matches your room size is essential for effective performance.
Another important factor is the type of filter. If you are dealing with allergies, a HEPA filter is the best choice. For odor control, look for a model with an activated carbon filter. Some advanced air cleaners combine multiple filters to provide comprehensive air cleaning.
Noise level is also worth considering. If you plan to use the air cleaner in a bedroom or office, choose a model that operates quietly. Many modern units come with sleep modes that reduce noise levels.
Energy efficiency is another important consideration. Look for air cleaners that are designed to consume less power while maintaining high performance. This will help you save on electricity bills in the long run.
Benefits of Using an Air Cleaner
An air cleaner offers numerous benefits beyond just removing dust. One of the most significant advantages is improved health. By reducing exposure to airborne pollutants, it helps prevent respiratory issues and allergic reactions.
Another benefit is a cleaner living environment. Airborne particles often settle on furniture, floors, and other surfaces. By removing these particles from the air, an air cleaner helps keep your home cleaner for longer periods.
Odor control is another key advantage. Whether it’s cooking smells, pet odors, or smoke, an air cleaner can effectively eliminate unpleasant odors and maintain a fresh atmosphere.
Air cleaners can also extend the lifespan of your HVAC system. By reducing the amount of dust and debris in the air, they prevent buildup in your heating and cooling systems, improving efficiency and reducing maintenance costs.
Common Mistakes to Avoid
While air cleaners are highly effective, certain mistakes can reduce their performance. One common mistake is not replacing the filters on time. Dirty filters can block airflow and reduce efficiency, so it’s important to follow the manufacturer’s recommendations.
Another mistake is placing the air cleaner in the wrong location. For best results, it should be placed in an open area with good airflow. Avoid placing it behind furniture or in corners.
Using the wrong size air cleaner is another issue. A unit that is too small will not be able to clean the air effectively, while a larger unit may consume unnecessary energy.
Some people also make the mistake of using the air cleaner only occasionally. To maintain clean air, it should be used consistently.
Maintenance Tips for Long-Term Performance
Proper maintenance is essential to keep your air cleaner working efficiently. Regularly check and replace filters as needed. Some models come with indicator lights that notify you when it’s time for a replacement.
Cleaning the exterior and vents of the unit is also important. Dust and debris can accumulate over time, affecting performance.
If your air cleaner has washable filters, make sure to clean them properly and allow them to dry completely before reinstalling.
Scheduling periodic inspections can also help identify potential issues early and ensure optimal performance.
Future of Air Cleaner Technology
The future of air cleaner technology is promising, with new innovations aimed at improving efficiency and convenience. Smart air cleaners with built-in sensors can monitor air quality in real time and adjust settings automatically.
Many modern units also offer smartphone connectivity, allowing users to control and monitor their air cleaner remotely. This adds a new level of convenience and flexibility.
Eco-friendly designs and energy-efficient features are also becoming more common, making air cleaners more sustainable and cost-effective.
Conclusion
An air cleaner is an essential investment for anyone looking to improve indoor air quality and create a healthier living environment. From removing harmful pollutants to enhancing comfort and well-being, the benefits are undeniable.
By choosing the right air cleaner and maintaining it properly, you can enjoy clean, fresh air every day. Whether for your home or office, an air cleaner is a simple yet powerful solution for better health and a higher quality of life.
Business
Canon Printer Support: Quick Ways to Contact Customer Care
When it comes to reliable printing solutions, Canon Inc. has built a strong reputation for delivering high-quality printers for both home and office use. However, even the most dependable devices can occasionally run into issues—whether it’s a paper jam, connectivity trouble, driver errors, or print quality concerns. In such situations, knowing how to reach Canon customer care efficiently can save you time and frustration.
This comprehensive guide focuses specifically on Canon printer support and walks you through the best ways to get help quickly and effectively.
Common Canon Printer Issues That Require Support
Before reaching out to customer care, it helps to identify the type of issue you’re experiencing. Canon printer users typically contact support for:
- Printer not responding or offline errors
- Wireless or network connectivity issues
- Driver installation or update problems
- Paper jams or feeding issues
- Ink cartridge errors or replacement guidance
- Poor print quality (faded prints, streaks, etc.)
- Scanner or multifunction printer malfunctions
Once you’ve identified the problem, you’ll be better prepared to explain it clearly to a support representative.

Primary Ways to Contact Canon Customer Care
Canon offers multiple support channels, but for printer-related concerns, these are the most effective:
1. Phone Support (Fastest Method)
Calling customer care is often the quickest way to resolve urgent printer issues. You can speak directly with a trained representative who can guide you step-by-step.
- Customer Care Number:
- Your printer is not working at all
- You need real-time troubleshooting
- You’re not comfortable with technical steps on your own
For best results, have the following information ready before calling:
- Printer model (e.g., PIXMA, imageCLASS, MAXIFY)
- Serial number
- Description of the issue
- Any error codes displayed
Calling ensures that you get immediate assistance without having to wait for email responses or navigate complex online resources.
2. Live Chat Support
Canon often provides live chat support through its official website. This is a great option if:
- You prefer typing over talking
- Your issue is not urgent
-
You desire written guidelines that you can consult later
Live chat agents can help with most printer-related issues, including setup, driver downloads, and troubleshooting.
3. Email Support
Email support is useful for non-urgent issues or when you need to share detailed information, such as screenshots or error logs. However, response times may vary, typically taking 24–48 hours.
4. Canon Support Website
Canon’s official support website is a valuable self-service resource. You can find:
- Printer manuals and user guides
- Driver downloads and updates
- Troubleshooting articles
- FAQs specific to your printer model
While this option doesn’t involve direct communication, it’s often the first step in diagnosing common problems.
Step-by-Step: How to Get Help Quickly
To make your support experience smoother, follow these steps:
Step 1: Identify the Problem
Be specific about what’s going wrong. For example:
- “Printer shows offline even though it’s connected to Wi-Fi”
- “Printouts are blurry and streaked”
Step 2: Try Basic Troubleshooting
Before contacting support, try:
- Restarting the printer and computer
- Checking cable or Wi-Fi connections
- Reinstalling drivers
- Ensuring ink cartridges are properly installed
Step 3: Contact Customer Care
If the issue persists, call for immediate assistance. Clearly explain the problem and follow the agent’s instructions carefully.
Tips for a Better Support Experience
To ensure you get the most out of your interaction with Canon customer care, keep these tips in mind:
Be Clear and Concise
Explain your issue in simple terms. Mention any error messages exactly as they appear.
Follow Instructions Carefully
Support agents may guide you through troubleshooting steps. Take your time and follow each step precisely.
Ask Questions
If something isn’t clear, don’t hesitate to ask for clarification. It’s better to fully understand the solution than to guess.
Take Notes
Write down important steps or solutions provided during the call for future reference.
When Should You Call Instead of Using Online Help?
While online resources are helpful, there are times when calling customer care is the better option:
- The printer is completely unresponsive
- You’ve already tried multiple troubleshooting steps without success
- You’re dealing with hardware issues
- You need urgent help for work or business tasks
In these cases, calling can save you significant time and effort.
Canon Printer Support for Different User Types
Home Users
Home users often face basic issues like Wi-Fi setup, ink replacement, or occasional print errors. Phone or chat support is usually sufficient.
Small Business Users
For offices relying on printers daily, downtime can be costly. Immediate phone support is recommended to resolve issues quickly.
Advanced Users
If you’re comfortable with technical troubleshooting, the Canon support website may be enough. However, phone support is always available for complex problems.
Preventive Measures to Avoid Printer Issues
While customer care is always there to help, preventing problems in the first place is even better. Here are some tips:
- Keep your printer drivers updated
- Use genuine Canon ink cartridges
- Clean the printer regularly
- Avoid overloading paper trays
- Ensure stable Wi-Fi connectivity
Regular maintenance can significantly reduce the need for support calls.
Final Thoughts
Canon printers are known for their reliability, but occasional issues are inevitable. The key is knowing how to get help quickly and efficiently. Whether you prefer phone support, live chat, or self-service resources, Canon offers multiple ways to assist you. For the fastest and most direct support, calling remains the most effective option. With the right preparation and clear communication, most printer issues can be resolved in a single interaction.
By following this guide, you’ll be well-equipped to handle any Canon printer issue and get back to printing without unnecessary delays.
Business
Packaging Companies: Trends, Top Players & Packaging Solutions
Sri Lanka’s packaging industry has grown steadily over the years, becoming an essential part of the country’s manufacturing and export sectors. Today, packaging is not just about protecting products—it plays a major role in branding, marketing, product safety, and sustainability. With the rise of supermarkets, food delivery services, and exports, the demand for high-quality packaging solutions has increased significantly.
Among all segments, food packaging companies in Sri Lanka are experiencing rapid growth. As consumer expectations continue to evolve, businesses are investing in better packaging to ensure freshness, hygiene, and visual appeal.
Overview of Packaging Companies in Sri Lanka
Packaging companies in sri lanka operate across a wide range of categories. These include flexible packaging, rigid packaging, corrugated boxes, plastic containers, and paper-based packaging solutions. Each category serves different industries such as food and beverages, tea exports, apparel, pharmaceuticals, and fast-moving consumer goods (FMCG).
Flexible packaging is one of the most popular sectors in the country. It includes products like laminated films, pouches, shrink wraps, and printed packaging materials. These solutions are widely used because they are lightweight, cost-effective, and highly customizable.

Rigid packaging, on the other hand, includes plastic bottles, containers, and jars used in industries like beverages, cosmetics, and household products. Meanwhile, corrugated packaging plays a key role in logistics and transportation, ensuring products are safely delivered without damage.
Paper-based packaging has also gained popularity in recent years, especially due to growing environmental concerns. Many businesses are shifting toward eco-friendly alternatives such as paper bags, kraft boxes, and biodegradable packaging materials.
Food Packaging Companies in Sri Lanka
Food packaging is one of the most important segments within the packaging industry. It directly impacts food safety, shelf life, and customer satisfaction. In Sri Lanka, food packaging companies provide a wide range of solutions designed to meet both local and international standards.
Some of the most commonly used food packaging products include stand-up pouches, zipper bags, vacuum packaging, takeaway containers, and paper-based food wraps. These are used by restaurants, supermarkets, catering services, and food exporters.
The growth of the tourism industry and food delivery services has significantly increased the demand for food packaging. Restaurants and cloud kitchens require durable, leak-proof, and attractive packaging to maintain food quality during transportation.
Another key factor driving this sector is Sri Lanka’s strong export market. Products such as tea, spices, coconut-based goods, and seafood require high-quality packaging to maintain freshness and meet international regulations. As a result, food packaging companies are continuously improving their materials, designs, and production processes.
Modern food packaging is also heavily focused on branding. Eye-catching designs, high-quality printing, and unique packaging formats help businesses stand out in competitive markets. For many brands, packaging is now a powerful marketing tool.
Akhtari Group: A Leader in Sri Lanka’s Packaging Industry
One of the most well-established names in Sri Lanka’s packaging sector is the Akhtari Group. With a history spanning several decades, the company has grown from a small business into a leading manufacturer of flexible packaging solutions.
Founded in 1967, the Akhtari Group began its journey as a trading business in Colombo. Over time, it expanded into manufacturing and developed a strong reputation for quality and reliability. Today, it serves a wide range of industries, including food processing, tea and coffee, confectionery, and beverages.
The company specializes in flexible packaging products such as laminated films, pouches, and shrink sleeves. These products are designed to protect goods, extend shelf life, and enhance visual appeal. Akhtari’s ability to provide customized solutions makes it a preferred partner for many local and international clients.
One of the key strengths of the Akhtari Group is its focus on innovation. The company continuously invests in modern machinery and advanced technology to improve efficiency and product quality. This allows it to meet the evolving needs of the market and maintain high standards.
In addition to innovation, the company is also known for its large-scale production capacity. It is capable of handling bulk orders, making it suitable for large manufacturers and exporters who require consistent and reliable packaging solutions.
Sustainability is another important area of focus. The Akhtari Group is gradually adopting environmentally friendly practices, including the use of recyclable materials and energy-efficient production methods. As global demand for sustainable packaging grows, companies like Akhtari are adapting to stay competitive.
The group has also diversified into other sectors, which has strengthened its position in the market. This diversification allows it to offer a broader range of industrial solutions beyond packaging.
Trends in the Sri Lankan Packaging Industry
The packaging industry in Sri Lanka is evolving rapidly, influenced by global trends and changing consumer behavior. One of the most important trends is the shift toward sustainable packaging. Businesses are actively looking for eco-friendly alternatives to reduce their environmental impact.
Another major trend is the development of smart and functional packaging. Features such as resealable pouches, easy-open designs, and improved barrier protection are becoming increasingly common. These innovations enhance convenience and improve the overall user experience.
The rise of online food delivery has also transformed the industry. Packaging must now be strong, secure, and capable of maintaining food quality during transport. This has led to increased demand for high-performance food packaging solutions.
Export-oriented packaging is another key trend. Sri Lankan products are gaining popularity in global markets, and packaging must meet strict international standards. This has encouraged companies to invest in advanced technologies and quality certifications.
Conclusion
Packaging companies in Sri Lanka play a crucial role in supporting the country’s economy. From protecting products to enhancing brand value, packaging has become an essential part of modern business. Food packaging companies, in particular, are driving innovation and growth in the industry. As demand continues to rise, these companies are focusing on quality, sustainability, and customization to meet customer needs.
The Akhtari Group stands out as a leading example of success in this sector. With its long history, strong reputation, and commitment to innovation, it continues to play a key role in shaping the future of packaging in Sri Lanka. As the industry moves forward, packaging will remain a vital element in ensuring product safety, improving customer experience, and supporting Sri Lanka’s presence in global markets.
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