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Blogs | Kosamattam Finance
Blog

Stay Informed, Stay Prepared with Instant Updates

Online vs offline gold loan comparison

Online Gold Loan Vs Offline Gold Loan: Which Is Better?

Compare online and offline gold loans based on processing speed, convenience, security, interest rates, LTV, repayment options, and customer support to choose the right option for your financial needs.

28th August, 2026

10 mins read

New LTV rules for gold loans 2026 showing tiered gold loan LTV ratios

New LTV Rules for Gold Loans 2026: The Ultimate Guide for Borrowers

Learn about the new 2026 RBI gold loan rules, including tiered LTV ratios, borrower protections, repayment limits, gold valuation, and auction safeguards.

17th August, 2026

6 mins read

India gold discovery

India Just Found 222 Tonnes of Gold, Here's Why Your Jewelry Could Get You a Bigger Gold Loan

India’s massive gold discoveries and record-high prices, mean bigger gold loan amounts for your jewelry. Learn how rising rates and new RBI LTV rules benefit you.

18th April, 2026

3 mins read

Akshaya Tritiya 2026 Gold purchase

Akshaya Tritiya 2026: Why Buying Gold Today Secures Your Future

Discover why buying gold on Akshaya Tritiya 2026 (April 19) is considered auspicious and a smart financial move. Check muhurat timings, gold investment options, and expert tips to secure your future wealth.

17th April, 2026

3 mins read

Gold Price Drops ₹1 Lakh in 1 Day: US-Iran War Impact on Gold Loans & Interest Rates

Gold Price Drops ₹1 Lakh in 1 Day: US-Iran War Impact on Gold Loans & Interest Rates

Explore India's gold loan interest rates (8.2% - 24% p.a.), key factors shaping them, bank vs. NBFC comparisons, digital lending trends, and smart borrowing tips to make informed financial decisions.

31th March, 2026

3 mins read

RBI New Rules for Gold Loan: What Borrowers Need to Know Before They Apply

RBI New Rules for Gold Loan: What Borrowers Need to Know Before They Apply

RBI's 2026 gold loan rules, effective April 2026, bring tiered LTV ratios (up to 85%), capped bullet repayment at 12 months, mandatory 7-day gold return, and transparent auctions, ensuring fairer, standardized protection for all borrowers.

30th March, 2026

4 mins read

Why a Gold Loan Is the Best Choice for Education Funding

Why a Gold Loan Is the Best Choice for Education Funding

Education is one of the biggest investments in life. Whether it’s a professional course in India or higher studies abroad, tuition fees, admission charges, exam costs, and living expenses add up quickly

24th November, 2025

4 mins read

How Gold Prices Impact Gold Loan Rates

How Gold Prices Impact Gold Loan Rates

Gold loans are one of the fastest-growing lending products in India because they provide quick access to cash against gold ornaments. Unlike personal loans, a gold loan uses your gold as collateral, making it a safer option for lenders and cheaper for borrowers

20th November, 2025

4 mins read

How to Repay Your Gold Loan Smartly Without Financial Stress

How to Repay Your Gold Loan Smartly Without Financial Stress

Gold loans are one of the easiest and fastest ways to access funds when you need quick cash. But many borrowers struggle when it comes to gold loan repayment — from choosing the right repayment mode to avoiding auction risks. A few missed EMIs can lead to penalties, extra interest, and unnecessary stress.

11th November, 2025

4 mins read

Why Choosing the Right Lender Matters

Benefits of NBFC Gold Loan: Why Choosing the Right Lender Matters

Gold loans have become one of the most accessible and trusted forms of secured credit in India. Whether it’s managing emergency expenses, business capital needs, or short-term cash flow issues, pledging your gold for a loan is quick and convenient.

10th November, 2025

4 mins read

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Filing Complaints on SCORES – Quick & Easy

I. Register on SCORES portal

II. Mandatory details for filing complaints on SCORES :

i.Name, Email, Mobile Number, PAN and Address


III. Benefits :

i. Effective communication

ii. Speedy redressal of the grievances

Website : https://scores.gov.in
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Key Reasons for Kosamattam Finance's Security Leadership:

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