Can I get a loan against my plot or gold and how is the evaluation done?

Yes, you can get a loan against your plot or gold in India.

For a loan against property (plot):
- The bank evaluates your property's market value based on location, size, legal status, and current rates.
- Ownership documents are verified and checked for disputes.
- Typically, you can get 50%-70% of the property's value as a loan (subject to change).

For a loan against gold:
- The bank assesses the gold's purity and net weight, then values it at current market rates.
- You can usually get 65%-75% of the gold's value as a loan (subject to change).

Terms, interest rates, and eligibility vary by bank.