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Gold and Silver Loanसुनचाँदी धितो कर्जाA gold and silver loan is a loan secured by pledging gold or silver ornaments, bars or coins, which the bank tests, values and keeps in its vault.Loans & CreditGrace Period (Moratorium)ग्रेस अवधि (मोराटोरियम)A grace period is the time from loan disbursement until the first instalment falls due, during which the borrower does not repay principal (and sometimes interest).Loans & Credit