MAM
India at 75: Brands pay an ode to the nation
Mumbai: As the country gears up to celebrate its 76th Independence Day, marking 75 years of the country’s independence from British rule, brands go all out, wearing their patriotic hearts on their logo-emblazoned sleeves in a bid to connect with their consumers. From campaigns that celebrate our nation’s diversity, to videos that convey heart-warming narratives and an awareness of financial independence, to shedding light on social issues, this year’s Independence Day communications are filled with messages of hope and empathy, along with pride.
Here are a bunch of campaigns and initiatives that stood out to us:
JSW Paints added colour to India’s Independence Day celebrations with a film that drives home the brand’s promise – “Thoughtful is Beautiful.” Conceptualised by TBWAIndia, the film captures India’s struggle and India’s originality in the same breath. Taking on a challenge that most Indian neighbourhoods face – a problem that no amount of fines, warnings, or well-intended public advisory has been able to solve. Until JSW Paints decided to change the canvas of solutions and presented a bright new answer in blazing tricolour.
Ahead of the occasion of India’s 75th Independence Day, Godrej Group released #SoundsOfMakingIndia, the sequel to its Independence Day campaign from 2019, that captured all the industrial sounds that signify progress in the manufacturing ecosystem. The film narrates the story of the Godrej Group’s journey of being an integral part of our nation’s progress while integrating the different businesses of the national brand.
HDFC Mutual Fund has extended its #BarniSeAzadi campaign (first launched in 2021) to promote financial independence for women. Through this campaign, the company urges women to free their money from traditional savings methods and invest in mutual funds (MFs), so as to give their hard-earned money a chance to grow. The campaign is based on the insight that Indians have always saved money in traditional instruments like “Barnis”, pickle jars, lockers, FDs, etc.
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Furthermore, HDFC Mutual Fund is organising a unique outdoor activity wherein a gigantic barni will be installed near Mumbai’s Carter Road from 13 to 15 August, where the company will take a pledge from women to not put their money in barnis anymore and use the suitable instrument to grow their money.
Robin Hood Army (RHA), a zero-funds volunteer organisation that works towards getting surplus food from restaurants and communities to the plates of those less fortunate, has teamed up with media conglomerate ABP Network for Mission75 on India’s 76th Independence Day, where they are serving 75 lakh meals across India. To start conversations about the initiative and the sad reality millions of Indians face, the NGO has partnered with a creative agency, The Minimalist.
Based on the topic that never goes out of trend, weight loss, The Minimalist conceptualised a clever, provocative film-#KhaaliThaali. The film utilises ‘Khaali Thaali’, a simple tool to depict the brutal reality of many Indians, and delivers a hard-hitting message.
The static posts were disguised to look like ads for people who have experienced transformative weight loss, only to reveal the grim reality of how they did not have a choice in the matter.
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LAFZ is a culturally conscious, Halal certified brand headquartered in Singapore and a part of global FMCG conglomerate Believe PTE. To mark the occasion, the brand has released a video that’s a tribute to India’s 76th Independence. The idea was inspired by a famous Islamic saying, “Hubbul Watan Minal Iman,” which means “Loving one’s own homeland is a part of faith.” The video was conceptualised internally by the team. The film reaffirms that love for one’s homeland is unconditional and unbiased, irrespective of religion, colour, caste, and societal status.
Watch the video here –
Looking back to the unprecedented time when covid-19 outbreak brought the world to a standstill, and our defence and police forces stayed on duty, regardless of the deadly pandemic, Hamdard Laboratories launched a national campaign ‘SEHAT HAI TOH WATAN HAI’, paying homage to their valiance. As the eight-month-long campaign launched on 26 January approaches its culmination on India’s 76th Independence, Hamdard celebrated the health of India with multiple activities across its wellness centres from 10 – 14 August 2022. The brand has conducted 75 health camps and touched more than 15,000 lives of brave heroes.
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Watching patriotic movies and catching the parade on TV never gets old on Independence Day, but why not try out something new this time—like OTT listening? On the occasion of Azadi Ka Amrit Mahotsav, Pocket FM brings to you a special audiobook collection to celebrate 75 years of independence and feel your pride and honour for the nation.
Here’s a list of the top five audiobooks to share with your kin on the occasion: Amar Krantiweer Chandra Shekhar Azad – get to know the courageous tale of the freedom fighter during the Indian Independence movement, My Experiments With Truth-In this audiobook, Mahatma Gandhi has given reminiscences of his childhood, relations with his wife and parents, experiences at school, his study tour to London, his journey to South Africa, experiences of colour prejudice, and his quest for dharma, Jhansi Ki Rani- The audiobook speaks about how the Queen had to repeatedly face gruelling challenges but still drew strength from her adversity. Annihilation of Caste – Listen to this audiobook to hear B.R Ambedkar’s searing takedown of the caste system, Why Am I An Atheist – an essay written by Indian revolutionary Bhagat Singh in 1930 in Lahore Central Jail. Tune into this book and understand why the freedom fighter was an atheist.
Finally, is it ever a celebration without having an equivalent one in the metaverse? As we are all set to commemorate India’s 76th Independence Day, digital solutions provider Kiya.ai will be celebrating the occasion in the metaverse. In what the brand claims to be a ‘first-of-its-kind’ initiative, Kiya.ai will celebrate Azadi Kaa Amrit Mahotsav with Har Ghar Tiranga on Bharatmeta, a dedicated zone of Kiyaverse, “India’s first metaverse” on www.bharatmeta.in.
A virtual experience in Bharatmeta allows visitors to observe the Tricolour hoisted on a virtual monument and explore the zone while listening to patriotic songs.
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Gold has evolved from a traditional family heritage to one of the most effective instruments for high-speed liquidity in the rapidly changing financial world of 2026. With 22K gold prices remaining stable at ₹14,440 per gram and 24K gold hitting ₹15,752 per gram as of February 21, 2026, the Indian gold market is seeing a historic increase. A rather small quantity of jewels can now unleash significant cash due to their increased worth.
Finding the best gold loan, however, takes more than simply visiting the closest branch because there are several banks and NBFCs (Non-Banking Financial Companies) vying for your business. It necessitates a strategic grasp of how lenders set their product prices. The cost of borrowing in 2026 is no longer a “one-size-fits-all” number; rather, it is a variable that depends on your loan amount, the state of the market, and particular regulation slabs. You may make sure that you leverage your gold holdings at the best gold loan interest rates by taking a methodical approach.
Recognise the Tiered LTV Framework for 2026
The Reserve Bank of India’s (RBI) introduction of tiered Loan-to-Value (LTV) criteria is one of the biggest changes. Depending on your unique financial needs, this policy directly affects which lender can provide you with the best gold loan.
The LTV limitations for 2026 are set up as follows:
- Loans up to ₹2.5 Lakh: 85% LTV eligibility
- Loans up to 80% LTV are eligible for those between ₹2.5 Lakh and ₹5 Lakh
- Loans over ₹5 lakh are eligible for up to 75% LTV
You must match your borrowing with these levels to determine the lowest gold loan interest rate. Because there is less risk involved, a lender may frequently give a cheaper rate for a 75% LTV plan than for an 85% LTV plan. Choosing a lower LTV bracket is a tried-and-true method to get the finest gold loan conditions if you don’t require the highest amount of cash on hand.
Compare the Offerings of Banks and NBFCs
The best gold loan is determined by your preference for quickness or cheaper cost. The service and pricing differences between ordinary banks and specialised gold lending NBFCs have grown.
Public and Private Banks: The interest rates on gold loans offered by public and private banks are often the lowest on the market, frequently beginning as low as 8.75% to 9.50% annually. Borrowers seeking a long-term or overdraft-like facility who already have a savings account will find it appropriate.
NBFCs: They are the industry leader in offering a genuine, rapid gold loan experience, even if their interest rates may be a little higher than those of banks. They are frequently the best gold loan option for urgent needs when speed surpasses a 1% yearly cost difference, thanks to doorstep services and quick disbursals.
Make Use of Purity’s Power
The most potent “multiplier” in your loan computation is the karat of your jewellery. Lenders have shifted to highly standardised assaying procedures. Declaring high-purity materials helps you get a higher valuation and a better loan amount.
Make sure you are offering hallmarked jewels in order to receive the best gold loan. Because the collateral risk is essentially zero, hallmarked gold (BIS 916) lowers the lender’s uncertainty during appraisal and frequently enables them to provide a more alluring gold loan interest profile.
Consider the Mode of Repayment
The best gold loan is one that doesn’t negatively impact your monthly cash flow. Below are a few repayment options you may consider:
- Bullet Repayment: At the conclusion of the term, which is usually 12 months, you pay the whole amount. Although the cumulative interest cost of the gold loan may be somewhat greater, this is great for short-term liquidity.
- Monthly Interest Payment: You just pay the interest each month; the principal is paid at the end. As a result, the monthly burden is minimal.
- EMI (Principal + Interest): The most organised approach to loan closure is through EMI (principal + interest), which progressively lowers your principal and, as a result, your overall interest expense.
Use a computerised gold loan calculator to determine which option delivers the biggest savings before you sign the contract. Even a 0.5% change in the repayment schedule might save you thousands of rupees on a big loan in the expensive year of 2026.
Be Aware of Unexpected Fees and Penalties
High administrative costs can occasionally be concealed by a low headline interest rate on gold loans. Searching for the finest gold loan requires you to consider the “Total Cost of Credit.”
- Processing costs: For loans up to ₹3 lakh in 2026, several banks provide “Nil” processing costs.
- Make sure valuation fees are clear and do not represent a portion of the loan balance.
- Prepayment and Foreclosure Penalties: You shouldn’t have to pay a large penalty if you decide to end your gold loan early.
- Late Payment Fees: Examine gold loan interest “steps up” if you fail to make a payment. Some lenders charge 2% monthly punitive interest on the past-due balance, which can easily get out of hand.
Conclusion
Finding the greatest gold loan in 2026 requires striking a balance between the historic worth of your gold, i.e., ₹14,440 per gram, and a lender who understands your desire for quickness and transparency. You may make sure that your gold is a bridge to your financial objectives rather than a burden by comparing the tiered LTV brackets and selecting a repayment schedule that corresponds with your income. The knowledgeable borrower usually prevails in a market where gold loan interest rates are more competitive than ever. Spend some time evaluating at least three lenders, confirming that they are in accordance with the RBI as of 2026, and confidently discovering the actual worth of your assets.
FAQs
How much can I borrow in gold today, per gram?
The maximum credit amount for loans under ₹2.5 lakh (85% LTV) is around ₹12,274 per gram as of February 21, 2026, when 22K gold is valued at ₹14,440 per gram. Make sure your decorations are made of pure gold with minimal stone deductions to receive the greatest gold loan value.
Does my gold loan interest rate depend on my credit score?
In general, no. The majority of lenders offering a quick gold loan do not significantly rely on your CIBIL score because it is a secured loan. However, with certain private banks in 2026, having a solid credit history might help you get greater loan amounts or “preferred” gold loan interest rates.
How can I figure out how much interest is due on a gold loan?
The straightforward calculation is as follows: Principal x Annual Rate x Tenure (in years). Many lenders include a best gold loan calculator on their smartphones for a more accurate 2026 figure. This tool automatically adjusts for your selected repayment method and particular LTV tier.
In 2026, would I be able to obtain a gold loan for 18K jewellery?
Yes, most lenders accept 18K gold. However, the interest rate on the gold loan and the value per gram will be different because the purity is 75% as opposed to 91.6% for 22K. Before using the current market cost of ₹14,440 per gram, lenders first convert your 18K weight into a 22K equivalent.
If I close my gold loan early, will I be penalised?
Prepayment penalties are not imposed by the majority of respectable lenders providing the best gold loan in 2026. However, if you end the loan nearly immediately after disbursement, some may demand a minimum interest payment of seven to fifteen days. Verify your agreement’s “Foreclosure” clause at all times.
