印度中央银行放松贷款规则,扩大以黄金为后盾的贷款,放宽资本要求,从2025年10月1日起生效。 India's central bank relaxes loan rules, expands gold-backed lending, and eases capital requirements effective Oct. 1, 2025.

印度储备银行从2025年10月1日起实行新的贷款规则,允许银行比前三年期限更频繁地调整小企业和个人贷款的利率利差,借款人可以在重置点转而采用固定利率。 The Reserve Bank of India (RBI) introduced new lending rules effective October 1, 2025, allowing banks to adjust interest-rate spreads on small business and personal loans more frequently than the previous three-year limit, with borrowers able to switch to fixed rates at reset points. 以黄金为后盾的周转资本贷款的贷款资格现在扩大到任何将黄金用作原材料的企业,而不仅仅是珠宝商,还包括第3级和第4级城市合作银行。 Lending eligibility for gold-backed working capital loans now extends to any business using gold as raw material, not just jewellers, and includes Tier 3 and 4 urban co-operative banks. RBI还放宽了资本规则,允许外国债务和以卢比计价的永久债务作为附加第1级资本,并提议每周报告信用情况、延长偿还期限和在10月20日前更新公众评论的风险限值。 The RBI also eased capital rules by permitting foreign and rupee-denominated perpetual debt as Additional Tier 1 capital, and proposed weekly credit reporting, extended repayment terms, and updated exposure limits for public comment by October 20.