Business
Gold Loan Tips: 3 Repayment Tricks That Can Save You A Fortune
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Three repayment choices, one crucial decision — and the difference could cost you lakhs. Pick wisely, and a gold loan becomes far lighter on both your mind and your pocket
Selecting the right gold loan repayment method can save you money. (AI Generated)
Gold loans may be easy to take, but they are not always easy to repay, and a small mistake can cost borrowers thousands, even lakhs, in extra interest. Most people focus only on the 9-10 per cent interest rate, unaware that the real cost depends entirely on the repayment method they choose.
One wrong decision can make a cheap loan expensive; the right one can make it far more affordable.
According to an Economic Times report, Jijith Raj, Business Head at Indel Money, has explained three loan repayment methods and who each of them is best suited for.
1. Regular EMI
In this method, you pay a fixed instalment every month, which includes both principal and interest. As the months pass, the principal reduces, and the total interest you pay is the lowest among the three options.
This method is ideal for people who earn a regular monthly income like salaried employees, pensioners, or those receiving steady rental income. Setting up an auto-debit ensures discipline.
However, if you miss even a single EMI, the bank may quickly classify your account as an SMA and report it to the credit bureau, which can lower your CIBIL score.
2. Bullet Repayment
This is the option most people prefer because it gives them the highest level of flexibility. You may pay nothing or only the interest during the loan period, and then clear the entire principal and remaining interest in one go on the final day. This method works well if you are certain that you will receive a large sum within 6-12 months, such as from selling property, an FD maturing, or a sizeable business payment.
But the risk is high: if you are unable to arrange the lump sum by the due date, the interest balloons because the full principal remains unpaid.
Moreover, 45 days after the loan period ends, the bank can begin the process of auctioning your gold, which catches many borrowers off-guard.
3. Overdraft Facility
This option may appear slightly more expensive upfront, but it is perfect for those with irregular income like freelancers, small shop owners, agents who work on commission, consultants, and similar professions.
The bank sanctions a limit (for example, Rs 10 lakh), and you pay interest only on the amount you actually withdraw, not on the entire limit. When you receive money, you can deposit it back instantly, and your interest reduces immediately. You can withdraw and deposit as many times as you wish.
If you need a top-up, it is usually granted without closing the existing loan. Although the interest rate might be a bit higher, the overall cost remains low because your outstanding balance typically stays small.
Which Method Saves The Most?
- If your income is steady, choose EMI as it results in the lowest interest outflow.
- If you are expecting a lump sum, bullet repayment can work but it is risky.
- If your income is irregular, opt for the overdraft facility, which keeps your interest under control.
A crucial tip: If you have chosen the wrong repayment scheme earlier and a major portion of your loan tenure still remains, close the old loan and take a new loan against the same gold under a better scheme.
Most companies do not charge foreclosure fees, but always confirm this before proceeding.
November 15, 2025, 11:42 IST
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New Delhi: 2025 emerged as a defining chapter in the public and personal journey of Anant Ambani, a year where faith, leadership, seva, and conservation came together with rare clarity and purpose. It was a year that reflected not just milestones, but a deeper alignment between belief, responsibility, and long-term vision.
At the heart of this journey was a 140-kilometre padyatra from Jamnagar to Dwarka, undertaken as an act of devotion, discipline, and spiritual reflection. The walk resonated with millions, symbolising humility, perseverance, and an unwavering connection to India’s civilisational ethos. Far from being symbolic alone, the padyatra underscored the belief that leadership begins with inner conviction and service.
Professionally, 2025 also marked a significant expansion of responsibilities as Anant Ambani took on a larger leadership role as Executive Director at Reliance Industries Ltd. His growing involvement reflected a focus on sustainable growth, long-term stewardship, and aligning enterprise with societal impact—values increasingly central to modern corporate leadership.
2025 Marked A Year Of Faith, Leadership, Seva, And Conservation For Anant Ambani#AnantAmbani #SevaAndConservation #Vantara #WildlifeConservation pic.twitter.com/Or0ikzi2GU
— Zee News English (@ZeeNewsEnglish) January 2, 2026
A major highlight of the year was large-scale pilgrim welfare initiatives during the Maha Kumbh, where efforts were directed toward healthcare, logistics, and support services for millions of devotees. These initiatives reinforced the spirit of seva, placing service to people at the centre of action.
Equally significant was the national recognition received by Vantara, India’s ambitious wildlife rescue, rehabilitation, and conservation initiative. Its inauguration by Prime Minister Narendra Modi marked a watershed moment for conservation in the country. Throughout the year, Vantara also became a global showcase, with prominent international personalities witnessing India’s commitment to ecological responsibility and compassionate conservation.
Together, these moments defined 2025 as a year of convergence—where devotion met duty, leadership embraced service, and conservation became a shared national and global mission.
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Aside from the hashtags and social media abuses, the facts about trade and business terms between India and Bangladesh reveal a deeply intertwined and profitable relationship
Actor Shah Rukh Khan has come under sharp attack from Hindu religious preachers and some BJP leaders over Kolkata Knight Riders (KKR) signing Bangladeshi pacer Mustafizur Rahman in the IPL 2026 auction. (Photo Credits: Instagram)
As the internet erupts over Shah Rukh Khan and the Kolkata Knight Riders’ decision to hire a Bangladeshi cricketer for the upcoming IPL season, branding the actor a “traitor”, the trade numbers from the union ministry of commerce and industry, accessed by News 18, quietly puncture the seemingly manufactured outrage.
Trade, economic, and diplomatic ties between India and Bangladesh were never cut off, even though India imposed some reciprocal restrictions on Bangladesh, including the withdrawal of transhipment facilities and port access. Beyond the hashtags and social media abuses, the facts about trade and business terms between India and Bangladesh reveal a deeply intertwined and profitable relationship, even a year after the ouster of Sheikh Hasina.
Decoding the trade data
According to the export and import data released by the Ministry of Commerce and Industry and updated on January 2, 2026, India’s exports to Bangladesh stood at 11.48 billion US dollars in FY 2025, up from 11.06 billion dollars in FY 2024. This shows a marginal growth of around 3 to 4% despite a year marked by political strain, border tensions, visa-route-port restrictions, and periodic diplomatic unease. According to the ministry data, India exported goods worth around 4 billion US dollars to Bangladesh in 2025-26 as of January 2.
The India Brand Equity Foundation (a trust backed by the commerce ministry) stated in its factsheet that India exported 5,069 commodities to Bangladesh in FY25, ranging from petroleum products, cotton yarn, cereals, machinery, vehicles, pharmaceuticals, to chemicals. In return, India imported around 806 commodities, including ready-made garments, jute products, leather goods, and select agricultural items. The trade balance remains heavily tilted in India’s favour, with no sign of a country “boycotting” its neighbour.
Economics over outrage
Data shows that robust trade continued through moments of visible political discomfort. Issues such as border management, water-sharing disputes, concerns over illegal migration, and domestic political churn in Bangladesh have cast long shadows over bilateral relations. Yet, trade and commerce have marched on, driven by supply chains, geography, and mutual economic interest rather than emotion or online virtue signalling.
Observers point out that this is not an argument for ignoring security or political concerns but a reminder that the Indian state engages Bangladesh through a pragmatic lens, distinguishing between geopolitical caution and economic engagement. This nuance is conspicuously absent in the digital mobs targeting a film star for a cricketing decision made by a franchise operating in a global sports ecosystem.
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January 02, 2026, 20:44 IST
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Business
Ducati Launches Panigale V4 R In India At Rs 84.99 Lakh: Check Key Specs Of This Track-Focused Superbike
Ducati has officially launched the Panigale V4 R in India, marking the arrival of its most race-focused motorcycle yet. The first unit of the 2025 Panigale V4 R was delivered on January 1, 2026, by Ducati Chennai. Bookings for the high-performance superbike are now open across Ducati dealerships in the country.
The Panigale V4 R is a homologation model developed for the World Superbike Championship. It carries forward Ducati’s long-standing “R” lineage that began with the iconic 996R. Each unit is produced in limited numbers and features a unique serial number engraved on the clip-on handlebars.
The bike is powered by a 998cc Desmosedici Stradale R V4 engine derived directly from Ducati’s MotoGP and WorldSBK machines. The engine produces 218 hp at 15,500 rpm, with a redline stretching to 16,500 rpm. With an optional racing exhaust, output rises to 235 hp, and up to 239 hp with Ducati Corse Performance Oil. Ducati claims a top speed exceeding 330 km/h in full race trim.
Advanced Aerodynamics
The Panigale V4 R features MotoGP-inspired aerodynamics, including new side-mounted aerodynamic wings that generate downforce at high lean angles. These are paired with larger biplane wings that improve stability and front-end grip at high speeds.
The motorcycle uses an aluminium chassis and a hollow swingarm designed for better feedback and handling. Suspension duties are handled by fully adjustable Öhlins components, while braking is managed by Brembo Hypure monobloc calipers.
Racing Electronics
The bike is equipped with Ducati’s advanced electronic suite, including traction control, wheelie control, slide control, launch control, and engine brake management. A 6.9-inch TFT display with a dedicated “Grip Meter” provides real-time feedback to the rider.
Price and Availability
The Ducati Panigale V4 R is priced at Rs 84.99 lakh (ex-showroom) in India. Available only in Ducati Red, it is a limited-production, track-focused motorcycle.
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