A gold loan lets you unlock funds against gold jewellery you already own, typically with fast disbursal and minimal documentation compared to unsecured loans.
Key features
- Fast disbursal
- Minimal documentation
- Gold held securely with the lender until repayment
Eligibility at a glance
A general guide — the exact criteria vary by lender and are checked precisely when you apply.
- — Ownership of gold jewellery meeting the lender's purity requirements
- — Valid identity and address proof
- — Age 18 and above
Documents you'll need
How it works
- 1 Check eligibility
- 2 Compare lenders
- 3 Gold appraisal
- 4 Apply online
- 5 Get sanctioned
Gold Loan EMI calculator
Estimate your monthly instalment and see the full year-by-year principal and interest breakdown.
Maximum loan amount: ₹50,00,000
Indicative range for Gold Loan: 8.50% – 15.00%
Maximum tenure: 3 years (36 months)
Monthly EMI
₹17,444
Total interest
₹9,327
Total payment
₹2,09,327
Indicative only — your actual EMI depends on the lender's exact rate and terms at sanction.
Principal vs. interest
- Principal 95.5%
- Interest 4.5%
Principal & interest paid per year
Time on the x-axis, amount repaid on the y-axis — early on leans toward interest, later on toward principal.
Full breakdown, starting this month
Assumes your first EMI falls this month — click a period to see every month within it.
Sep 2026 – Aug 2027 Principal paid₹2,00,000 Interest paid₹9,327 Total paid₹2,09,327
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Sep 2026 | ₹16,027 | ₹1,417 | ₹17,444 | ₹1,83,973 |
| Oct 2026 | ₹16,141 | ₹1,303 | ₹17,444 | ₹1,67,832 |
| Nov 2026 | ₹16,255 | ₹1,189 | ₹17,444 | ₹1,51,577 |
| Dec 2026 | ₹16,370 | ₹1,074 | ₹17,444 | ₹1,35,206 |
| Jan 2027 | ₹16,486 | ₹958 | ₹17,444 | ₹1,18,720 |
| Feb 2027 | ₹16,603 | ₹841 | ₹17,444 | ₹1,02,117 |
| Mar 2027 | ₹16,721 | ₹723 | ₹17,444 | ₹85,397 |
| Apr 2027 | ₹16,839 | ₹605 | ₹17,444 | ₹68,557 |
| May 2027 | ₹16,958 | ₹486 | ₹17,444 | ₹51,599 |
| Jun 2027 | ₹17,078 | ₹365 | ₹17,444 | ₹34,521 |
| Jul 2027 | ₹17,199 | ₹245 | ₹17,444 | ₹17,321 |
| Aug 2027 | ₹17,321 | ₹123 | ₹17,444 | ₹0 |
Explore Gold Loan by amount, type & need
By Need
Why FynnEdge?
You could go directly to a bank. But why apply for a Gold Loan through us?
One profile, many lenders
Share your details once — we match you against multiple lenders' criteria instead of you applying to each one separately.
Clear, upfront eligibility
See which lenders you're likely eligible for, with plain-language reasons, before you apply.
A fully online journey
Check eligibility, compare lenders and apply — all online, without a branch visit.
Free EMI & credit tools
Plan your EMI and check your credit score for free, before you commit to anything.
Guidance, not just a listing
We help you understand your options and why a lender is or isn't a fit — not just hand you a list.
No service charges
Comparing and applying through FynnEdge is free. Any lender fees are disclosed upfront by the lender.
What our customers say
“I compared three lenders on FynnEdge in minutes instead of visiting three branches. The eligibility check was upfront and honest about what I actually qualified for.”
Ananya Rao
Bengaluru
“What I liked most was there were no surprise charges — everything the lender would charge was shown before I applied.”
Vikram Singh
Delhi