Bhai, defaulting after that 90% LTV rule means they sell your pledged gold *jhata-dei* to recover their money, and the cost is your family's *santusta*—that's the real loss. I took a small gold loan last year to buy spices when a big wedding order came, and let me tell you, the bank's interest was nothing compared to the peace of mind that my wife's mangalsutra was safe. The obvious worry is the financial penalty, but for folks like us, losing that gold means losing the silent partner in our hustle that never complains.
#wpl#womens-cricket
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