Why Gold Prices are Crashing Today and How the RBI’s New “₹20 Lakh Loan Rule” Just Changed the Game for Indian Startups

The “Double-Shock” Friday

On Friday afternoon, February 6, 2026, the financial world stood still as RBI Governor Sanjay Malhotra delivered a policy speech that was far from “business as usual.” While the headlines scream about interest rates being held at 5.25%, the real money is moving elsewhere.

Between a massive crash in Gold prices and a landmark rule change for small business loans, today marks the biggest wealth-shifting day of 2026. If you are an investor or a founder on ForgeUp, here is why you need to act before the market closes.

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1. Why Gold is Nosediving: The ₹1.52 Lakh Crash

Gold, the “safe haven” of 2025, is officially in a correction phase. Today, 24K gold rates nosedived by over ₹2,000 per 10 grams, hitting a localized bottom of ₹1,52,350.

What triggered the fall?

• The “Malhotra Effect”: The RBI Governor specifically flagged “high precious metal prices” as a risk to inflation.
• The Strength of the Rupee: With the India-US Trade Deal cooling down import tariffs, the Rupee has gained massive strength, making imported gold significantly cheaper for Indian buyers.
• The Opportunity: For those who missed the rally, this is the “Buy the Dip” moment analysts have been predicting.

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2. How the New ₹20 Lakh MSME Rule Works

Truth be told, the biggest viral news today isn’t about rates—it’s about Capital Access. The RBI has officially proposed doubling the financial limit for unsecured/collateral-free loans to ₹20 Lakh.

The Founder’s Take: Previously, getting more than ₹10 Lakh without “pledging your house” was a nightmare for startups. Now, the RBI is forcing banks to open the gates. If you have an MSME registration, you are now eligible for double the funding with zero collateral.

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3. Real Estate: The REITs Revolution

For the first time in Indian history, the RBI has proposed to allow banks to lend directly to Real Estate Investment Trusts (REITs).

• Why it matters: This isn’t just for big builders. This move ensures that the real estate market stays “liquid.” With interest rates paused at 5.25%, home loan EMIs are now predictable for the next 6 months, creating a perfect window for first-time buyers.

Also Read: Why the ₹40,000 Crore Electronics Outlay is a Game-Changer and How Dixon and Amber Are Set to Explode

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RBI Policy Snapshot: February 6, 2026

Metric	New Status	The “Viral” Impact
Repo Rate	5.25% (Unchanged)	EMIs won’t rise; stability for borrowers.
Gold 24K	₹1.52 Lakh (Falling)	Best buying opportunity of the quarter.
MSME Loans	₹20 Lakh Limit	100% increase in collateral-free funding.
Fraud Refund	₹25,000 Instant	Immediate relief for digital fraud victims.

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The Bottom Line

The RBI is no longer just fighting inflation; it is fueling growth. By crashing the barriers to MSME loans and providing a safety net for digital transactions, the central bank has placed its bets on the common man. Whether you are “Buying the Dip” in Gold or scaling your startup with the new ₹20 Lakh limit, the time to move is now.