Use your gold jewelry or coins as collateral and get quick loans at attractive interest rates. Perfect for emergencies or business needs.
Bank Name
Gold Value
Rate of Interest
Loan Tenure
Loan Amount
CIBIL Score
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HDFC Gold Loan
₹2 Lakh
7.5%
12 Months
₹1.6 Lakh
700+
ICICI Gold Loan
₹3 Lakh
7%
18 Months
₹2.4 Lakh
750+
Axis Gold Loan
₹4 Lakh
7.25%
24 Months
₹3.2 Lakh
720+
🔥 Gold Loan EMI Calculator
📊 Loan Summary
Monthly EMI: ₹0
Total Interest: ₹0
Total Payment: ₹0
📈 EMI Breakdown
Principal: ₹0
Interest: ₹0
What is a Gold Loan?
A Gold Loan is a secured loan where borrowers pledge their gold ornaments or coins as collateral and receive a loan against it. Interest rates are usually lower and approval is fast.
How Does a Gold Loan Work?
You submit your gold, the lender assesses its value, approves a loan, and disburses the amount. Repayment can be EMI-based or lump sum depending on bank terms.
Submit gold as collateral
Loan approval based on gold value
Funds disbursed quickly
Repayment via EMI or bullet payment
Prepayment allowed in many banks
Get gold back after full repayment
Features of Gold Loan
Loan Amount: Up to 75–90% of gold value
Interest Rate: 6–9% per annum
Loan Tenure: 3–36 months
Repayment: EMIs or one-time payment
Quick Disbursal: Often same day
No Credit Score Required: Based on gold collateral
Required Documents
KYC (PAN, Aadhar)
Gold ownership proof (jewelry bill)
Income proof (if applicable)
Eligibility Criteria
Age 18–70 years
Gold must be genuine and verified
Individuals & businesses eligible
FAQs
1. What is a gold loan?
A secured loan using gold as collateral with fast approval.
2. How much can I get?
Typically 75–90% of gold’s market value.
3. How to repay?
Via EMIs or full repayment depending on lender terms.
