Loans
Gold loans,quick and simple.
Pledge gold jewellery and get the loan the same day, with minimal paperwork.
In one minute
- 1
Money within hours
Pledge gold jewellery and get the loan the same day, with minimal paperwork.
- 2
Lower rate than personal loans
Typically about 9% to 18% a year, depending on the lender and loan size.
- 3
Your gold stays safe
It is stored in the lender’s vault and returned when you repay.
Chapter 01
What is a gold loan?
A gold loan lets you borrow money against gold jewellery or coins. The lender weighs and tests your gold, offers a loan based on its value, and keeps it safely until you repay. There is no need to show income in most cases, which makes it one of the fastest loans available.
Chapter 02
How much can you borrow?
01
Up to ₹2.5 lakh
- Maximum loan as share of gold value
- Up to 85%
02
₹2.5 lakh – ₹5 lakh
- Maximum loan as share of gold value
- Up to 80%
03
Above ₹5 lakh
- Maximum loan as share of gold value
- Up to 75%
Only the gold’s weight and purity count — stones and making charges are not included in the value.
Chapter 03
Ways to repay
- 01
Regular EMI
Interest and principal together every month, like any loan.
- 02
Interest monthly, principal at the end
Pay just the interest each month and the full amount at the end of the term.
- 03
All at the end (bullet)
Pay interest and principal together when the loan ends, usually within 12 months.
If the loan is not repaid, the lender can auction the gold after giving notice. Keep track of the due date.
Questions
Good toknow.
Is my gold safe?
Banks and large NBFCs store pledged gold in secure, insured vaults. Always take a detailed receipt listing every item and its weight.
Do I need a good credit score?
Not usually — the gold is the security. Repaying on time still helps build your credit record.
Can I repay early?
Yes. Most gold loans can be closed anytime; some lenders charge a small fee in the first few months.
Keep reading
You mayalso need.
Loans are provided by partner banks and NBFCs and are subject to their credit assessment, terms and conditions. Interest rates, fees and eligibility vary by lender and borrower profile. We facilitate the process and do not lend directly. Rates shown are indicative ranges; the actual rate depends on the lender and your profile. Tax benefits depend on the law in force and your personal situation. The information on this website is for general educational purposes only and does not constitute investment, tax or legal advice. Please consult a qualified professional before making financial decisions.
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