Gold Loan
Your gold, working for you
Instant liquidity against household gold jewellery and coins with transparent per-gram valuation, insured storage and flexible repayment — pay only interest monthly, or choose regular EMIs.
Interest rate
from 9.50% p.a.
Loan amount
Up to ₹1 Cr
Max tenure
up to 3 years
Processing fee
0.35% – 1.00% of loan amount
Key features
Gold Loan highlights
- Interest rates starting 9.50% p.a. (indicative)
- Same-day disbursal after valuation
- Loan-to-value up to 75% of gold value as per RBI norms
- Gold stored in insured, sealed vaults and returned intact
- Flexible repayment — bullet interest, EMIs or part releases
- No income documents for smaller ticket sizes
Get the best gold loan offer today
Free consultation with a dedicated manager. Compare multiple sanctioned offers before you choose.
Plan it
Gold Loan EMI calculator
Prefilled with typical values for this product — adjust to match your requirement.
Indicative calculation for a reducing-balance loan. Your actual EMI depends on the lender's final rate and schedule.
Your monthly EMI
₹13,774
Principal amount
₹3 L
Total interest
₹30.6 K
- Principal
- ₹3,00,000
- Total interest
- ₹30,584
- Total payable
- ₹3,30,584
Eligibility
Who qualifies
- Age between 18 and 75 years
- Gold purity of 18 – 24 karat, in jewellery or coin form
- KYC documents of the owner of the gold
- No minimum income or credit-score requirement
- Agricultural and household gold both accepted
Documents
Keep these ready
- Identity proof — PAN, Aadhaar, passport or voter ID
- Address proof — Aadhaar or utility bill
- Passport-size photographs
- Original gold jewellery / coins for valuation
- For loans above ₹1.5 lakh — income indication may be requested
- Agriculture proof for agri gold-rate benefit, if applicable
Costs, upfront
Interest rates & charges
Indicative ranges across partner lenders. Your final schedule is shared in writing before you sign.
| Charge | Details |
|---|---|
| Interest rate | 9.50% p.a. onwards (indicative) |
| Processing fee | 0.35% – 1.00% of loan amount |
| Valuation charge | ₹250 – ₹500, actuals |
| Prepayment / foreclosure | Nil with most lenders |
| Late payment penalty | 2% per month on overdue amount |
| Auction notice (post default) | As per lender policy and law |