
Reserve Price Floor:
Under RBI rules effective April 1, 2026, your gold's auction reserve price must not be less than
90%
of its current assessed value.
After 2 Failed Auctions:
The minimum floor may reduce to
85%
— but never below that under any circumstances.
LTV Limits (Apr 2026):
≤₹2.5L → 85% LTV · ₹2.5–5L → 80% LTV · Above ₹5L → 75% LTV.
Valuation:
Based on actual purity + net weight + RBI benchmark price. Stones and gems are excluded from the calculation entirely.
Surplus Refund:
If auction proceeds exceed your total dues, the balance
must
be returned to you by the lender per RBI directions.
Starting a business with zero investment – is that really possible? Fortunately, advancement in technology coupled with the power of the internet has created many new employment opportunities today. Thanks to this, it is possible for anyone to start their own business without much capital, whether they are a student or someone living in remote areas.
Zero-investment businesses are commercial activities that require little or no investment, but nevertheless provide reasonable profit. These businesses do not require much training. It can be created based on your knowledge and talents. Below are some business options that are possible without any capital but that can deliver excellent rewards.
Nowadays with demanding and long, grueling work shifts, people hire cleaning services for their homes and offices. Starting a home cleaning service is easy. You just need a few tools that you already have at home such as a broom and mop, and some cleaning agents like Lizol and Harpic.
You can work alone or hire workers depending on the nature of the work. Cleaning services are in huge demand especially during the holiday season. Home cleaning services also offer dry cleaning and vacuuming of sofas, curtains, and rugs. There are already a number of such companies operating successfully today.
Teaching is a good zero-investment business idea and it can be done from home or online. You can teach on courses ranging from academic to hobby such as yoga, dancing, singing, and drawing. Having a skill would guarantee better income. Also, you can start language classes which are growing in popularity, especially English-speaking courses.
Apart from this, personality development, and communication skills are another popular course. There are online tutorial services on many subjects like math, physics, chemistry, biology, accounting, and many popular classes for small children also. Another option is in-home tutoring in which tutors teach children one-on-one at their homes.
Another promising career is an online yoga instructor. With increasing concerns for health and fitness, people are willing to spend on yoga classes. Some even hire a professional trainer who come to their home to give one-on-one classes.
There is also online counselling that one can start at zero investment and after basic training. With depression and stress on the rise, people of all ages are spending money to discuss and help them solve relationships, careers, and difficulties related to work or other issues they are facing. As long as you can motivate people and be an empathizing listener, this is a good option for you.
These are just some of the few zero-investment businesses that are enabling many people from rural areas and women to earn an income. So as long as you have an internet connection and a mobile you can expand your market and reach out to millions of people across the nation.
Some of these ideas may still need a little investment for which you can log in to IIFL Finance website and get easy loans. IIFL Finance gives personal loans starting Rs 5,000 and instant business loans, too, without collateral. These loans can be availed online with little documentation and can be disbursed as fast as possible. IIFL Finance not only offers the most competitive interest rates but also customizes the repayment schedule to help borrowers.
Fuel your business growth with collateral-free loans up to ₹30 lakhs. Minimal documentation, quick approvals, and flexible repayment — designed for MSMEs and entrepreneurs.




