Business Loan
Gold Loan

Unlock instant cash by pledging your gold. Compare gold loan offers and get the best rate.

SBI
HDFC Bank
ICICI Bank
Muthoot Finance
Manappuram Finance
SBI
HDFC Bank
ICICI Bank
Muthoot Finance
Manappuram Finance

Key Highlights of Gold Loan

  • Attractive interest rates starting from 7% per annum
  • Get up to 85% of gold value as loan amount
  • Instant processing within 30 minutes
  • Flexible repayment tenure from 6 to 36 months
  • No income proof or credit score required
  • Gold remains safe in bank lockers
  • Minimal documentation with quick disbursement

Best Banks & NBFCs Offering Gold Loan

Bank/NBFCLoan AmountInterest RateProcessing FeeMax Tenure
SBI₹20k - ₹35L7% - 9.6%0.5% + GST36 months
HDFC Bank₹25k - ₹1Cr8.5% - 12%0.5% + GST36 months
ICICI Bank₹10k - ₹2Cr9% - 13%1% + GST36 months
Muthoot Finance₹1k - ₹1Cr12% - 26%1% + GST36 months
Manappuram Finance₹1.5k - ₹1Cr12% - 24%1% + GST36 months

Features & Benefits of Gold Loan

Instant Processing

Get loan approved and disbursed within 30 minutes

High Loan Value

Get up to 85% of current gold market value

Secure Storage

Gold jewelry stored safely in bank lockers with insurance

No Credit Check

No income proof or credit score verification required

Flexible Tenure

Choose repayment period from 6 to 36 months

Part Payment

Option for partial payment to reduce interest burden

Types of Gold Loan

Regular Gold Loan

Standard gold loans against jewelry for personal and business needs

Agricultural Gold Loan

Special gold loans for farmers with lower interest rates and flexible terms

Business Gold Loan

Gold loans specifically designed for business working capital requirements

Ornament Loan

Loans against gold ornaments and jewelry with highest loan-to-value ratio

Gold Coin Loan

Loans against gold coins and bars purchased from banks

NRI Gold Loan

Special gold loan schemes for Non-Resident Indians

Eligibility & Documents

Eligibility Criteria

Age18 to 75 years
IncomeNo minimum income requirement
EmploymentAny occupation accepted
Credit ScoreNot required
DocumentsOnly basic identity proof required

How to Apply for Gold Loan

1

Visit branch with gold jewelry and documents

2

Gold purity testing and weight verification

3

Loan amount calculation based on current rates

4

Complete application form and documentation

5

Instant approval and loan agreement signing

EMI Calculator

₹50,000₹1,00,00,000
6 months360 months
8%30%

In Total:

₹5,64,882
Principal: ₹5,00,000
Interest: ₹64,882
EMI: ₹23,537