{"id":3626,"date":"2025-12-15T01:48:01","date_gmt":"2025-12-15T01:48:01","guid":{"rendered":"https:\/\/bhatiabhola.com\/?p=3626"},"modified":"2025-12-15T01:48:03","modified_gmt":"2025-12-15T01:48:03","slug":"rbi-notification-125-2025-dated-04-12-2025-amendment-to-rbi-small-finance-banks-credit-facilities-directions","status":"publish","type":"post","link":"https:\/\/bhatiabhola.com\/index.php\/blog\/2025\/12\/15\/rbi-notification-125-2025-dated-04-12-2025-amendment-to-rbi-small-finance-banks-credit-facilities-directions\/","title":{"rendered":"RBI Notification 125\/2025 Dated 04\/12\/2025 &#8211; Amendment to RBI Small Finance Banks- Credit Facilities Directions\u00a0"},"content":{"rendered":"\n<p>The amendment introduce comprehensive changes to Gold Metal Loans (GML). It inserts definitions for GML, distinguishing between GMS-linked GML under the Gold Monetization Scheme, 2015, and import- linked GML sourced from imported gold. It also prescribe prudential guidelines for lending, risk management, monitoring, and repayment of GML to jewellery industry borrowers, including exporters and MMTC Limited. Banks must lay down lending policies, conduct due diligence, comply with capital adequacy requirements, and value GML in INR based on daily LBMA Gold rates.\u00a0<\/p>\n\n\n\n<p><a href=\"https:\/\/rbidocs.rbi.org.in\/rdocs\/Notification\/PDFs\/NT125B5609A8B47F249AF9CC95134F8A05F4A.PDF\"><em>(Link: RBI Notification 125\/2025 Dated 04\/12\/2025)<\/em><\/a><em><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The amendment introduce comprehensive changes to Gold Metal Loans (GML). It inserts definitions for GML, distinguishing between GMS-linked GML under [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"enabled":false},"version":2}},"categories":[72,76],"tags":[],"class_list":["post-3626","post","type-post","status-publish","format-standard","hentry","category-rbi","category-notifications-rbi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBI Notification 125\/2025 Dated 04\/12\/2025 - Amendment to RBI Small Finance Banks- Credit Facilities Directions\u00a0 - Bhatia Bhola &amp; Associates LLP<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bhatiabhola.com\/index.php\/blog\/2025\/12\/15\/rbi-notification-125-2025-dated-04-12-2025-amendment-to-rbi-small-finance-banks-credit-facilities-directions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBI Notification 125\/2025 Dated 04\/12\/2025 - Amendment to RBI Small Finance Banks- Credit Facilities Directions\u00a0 - Bhatia Bhola &amp; Associates LLP\" \/>\n<meta property=\"og:description\" content=\"The amendment introduce comprehensive changes to Gold Metal Loans (GML). It inserts definitions for GML, distinguishing between GMS-linked GML under [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bhatiabhola.com\/index.php\/blog\/2025\/12\/15\/rbi-notification-125-2025-dated-04-12-2025-amendment-to-rbi-small-finance-banks-credit-facilities-directions\/\" \/>\n<meta property=\"og:site_name\" content=\"Bhatia Bhola &amp; Associates LLP\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-15T01:48:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-15T01:48:03+00:00\" \/>\n<meta name=\"author\" content=\"Yash Bhola\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Yash Bhola\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/bhatiabhola.com\/index.php\/blog\/2025\/12\/15\/rbi-notification-125-2025-dated-04-12-2025-amendment-to-rbi-small-finance-banks-credit-facilities-directions\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/bhatiabhola.com\/index.php\/blog\/2025\/12\/15\/rbi-notification-125-2025-dated-04-12-2025-amendment-to-rbi-small-finance-banks-credit-facilities-directions\/\"},\"author\":{\"name\":\"Yash Bhola\",\"@id\":\"https:\/\/bhatiabhola.com\/#\/schema\/person\/5c941d1613f06d46d7c656c473e8249c\"},\"headline\":\"RBI Notification 125\/2025 Dated 04\/12\/2025 &#8211; 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