The provided sources outline the 2025 regulatory framework issued by the Reserve Bank of India (RBI) to standardize lending against gold and silver. For the first time, formal credit will be available against silver ornaments and coins, expanding financial access for households starting April 1, 2026. The new directions establish a tiered Loan-to-Value (LTV) system ranging from 75% to 85% to prioritize smaller borrowers and ensure systemic stability. To enhance consumer protection, the rules mandate uniform purity testing protocols, transparent auction processes, and strict compensation penalties for delayed collateral returns. Lenders face more rigorous due diligence requirements and must now monitor the end-use of funds to prevent speculative behavior. Overall, these reforms transition the sector toward a principles-based ecosystem focused on transparency and disciplined growth.

In this episode, we break down the fundamentals of REITs (Real Estate Investment Trusts) and how they are reshaping the way individuals can invest in commercial real estate. Drawing insights from Zerodha Varsity and Markets by Zerodha, we explore:

• A 5-step framework to analyze REITs before investing

• The structure, taxation, and returns from REITs in the Indian context

• Key metrics: Net Asset Value (NAV), occupancy, lease expiry, debt profile, and dividend yield

• Why REITs can offer inflation-hedged, passive income and portfolio diversification

• The future potential of REITs as India's commercial property market evolves

Whether you're a finance enthusiast or a passive income seeker, this episode will equip you with the right lens to view REITs as a smart, accessible investment option.

In this episode, we unpack the key insights from Outlive by Dr. Peter Attia—a powerful guide to extending not just your lifespan, but your healthspan. Whether you're short on time or looking for a detailed breakdown before diving into the book, this episode delivers a comprehensive summary. We explore the “Four Horsemen” of chronic disease, the importance of strength and metabolic health, and how exercise, nutrition, sleep, and emotional well-being can transform your long-term vitality. Packed with actionable strategies, this 30-minute listen is your blueprint to a longer, healthier life.