Gold Loan
Utilise Your Gold to Get Finance
You can use the gold you already have with you to get immediate finance in case of an unplanned expenditure. Gold loans are loans availed by pledging gold ornaments with a lender as collateral. The amount obtained can further be used for personal purposes, business needs, health-related expenditure, educational expenses, agricultural purposes, etc., based on the terms and conditions laid down by the lender.
Important Features
● Fast processing of loans
● Minimal paperwork involved
● Loan amount backed by the eligible gold ornament pledges
● Flexible repayment terms
● Ideal for multiple personal and financial needs
What is a Gold Loan?
A gold loan is a secured loan that is obtained by pledging eligible gold ornaments with a bank or non-banking finance company in lieu of finance. The lender inspects the quality as well as the weight of the gold to determine its value and amount of loan.
Why Consider a Gold Loan?
Gold jewellery can remain unused for long periods. Gold loans enable borrowers to create suitable financial help from their investments.
● Speed: The funds may be available without lengthy procedures. They can be easily availed after approval by the lender.
● Minimal Paperwork: The process is usually simple because gold acts as collateral. Lenders have different requirements for approval.
● Versatility: The funds can be typically utilized for different purposes in accordance with the lender’s requirements, such as medical expenses, educational tasks, business activities, agricultural projects, and various personal goals.
● Adaptability: The repayment can be carried out in several ways, depending on the lender and type of credit.
Gold Loan Eligibility
Eligibility for taking a gold loan mainly depends on the gold being used as security as well as the requirements of the lender. A general checklist could be as follows:
● The applicant must have attained the minimum age as specified by the lender.
● The applicant must be the owner or authorised possessor of the gold being pledged.
● Gold jewellery must conform to the purity standard as required by the lender.
● The KYC and other identity data must be available in good condition.
● The applicant must meet the lender’s terms and clauses.
The final decision regarding eligibility and the amount of the loan would be made after the assessment of the applicant and the gold loan.
Documents for Gold Loan
Documents required for taking a gold loan may vary from lender to lender. The standard documentation required could be:
● Pan Card
● Aadhaar card or other ID proof
● Address proof
● Passport-size photo, if applicable
● Gold jewellery for appraisal
How Does a Gold Loan Work?
A gold loan typically needs a few steps:
1. Indicate your needs: Provide the lender with your requirements and required details to find the best outcome.
2. Explore the lending options: Provide your details to the lender for assessment to find the lender matching the requirements.
3. Quality check: The lending partner has to check the quality of the gold jewellery based on their purity and weight.
4. Fill the application: The applicant/the borrower has to fill in the required information and submit the required documents.
5. Loan disbursement: Upon the verification of all the details provided and approval of the application, the lender will disburse the required amount as per the requirements agreed upon.
Reasons to Pursue Gold Loans through FynnEdge
Finding the best lender is as important as finding the right loan. FynnEdge helps borrowers get various options and find suitable lenders.
1. Multiple lending options available: Share your requirement once and check with multiple lenders based on your requirement.
2. Basic Comparison: Find out about the important factors regarding loans, including interest rates, tenure and eligibility, before going ahead.
3. Assisted Application Procedure: Get help from our professionally qualified team from the point of eligibility till the time your application is submitted.
4. Online Comfort: Start your application online without having to get in touch with a lot of lenders separately.
5. Clear Data: We strive to present loan-related data in an easily understandable way so that you can consider your options better.
6. No Comparison Fee: Comparing and applying through FynnEdge is free. Any applicable lender charges are communicated by the respective lender.
Get Funds Against Your Gold
If you have eligible gold jewellery and need funds for a planned or unexpected expense, a gold loan may be one of the secured borrowing options available to you.
Share your requirement with FynnEdge and find out the gold loan option that fits you from a common lending partner.
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
Lenders' published rates for Gold Loan: 8.50%–27.00% p.a..
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.
Nov 2026 – Oct 2027 Principal paid₹2,00,000 Interest paid₹9,327 Total paid₹2,09,327
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Nov 2026 | ₹16,027 | ₹1,417 | ₹17,444 | ₹1,83,973 |
| Dec 2026 | ₹16,141 | ₹1,303 | ₹17,444 | ₹1,67,832 |
| Jan 2027 | ₹16,255 | ₹1,189 | ₹17,444 | ₹1,51,577 |
| Feb 2027 | ₹16,370 | ₹1,074 | ₹17,444 | ₹1,35,206 |
| Mar 2027 | ₹16,486 | ₹958 | ₹17,444 | ₹1,18,720 |
| Apr 2027 | ₹16,603 | ₹841 | ₹17,444 | ₹1,02,117 |
| May 2027 | ₹16,721 | ₹723 | ₹17,444 | ₹85,397 |
| Jun 2027 | ₹16,839 | ₹605 | ₹17,444 | ₹68,557 |
| Jul 2027 | ₹16,958 | ₹486 | ₹17,444 | ₹51,599 |
| Aug 2027 | ₹17,078 | ₹365 | ₹17,444 | ₹34,521 |
| Sep 2027 | ₹17,199 | ₹245 | ₹17,444 | ₹17,321 |
| Oct 2027 | ₹17,321 | ₹123 | ₹17,444 | ₹0 |
Lenders offering this product
Compare lenders side by side
Tick up to 4 lenders to compare them head to head, or apply with any lender directly.
- Lenders compared
- 24
- Rates from
- 8.50% p.a.
- Loan up to
- ₹10 Crore
- Tenure up to
- 5 yrs
— pick at least one more to compare. — showing only your picks.
| Lender | Interest rate | Loan amount | Tenure | Processing fee | Eligibility | Apply |
|---|---|---|---|---|---|---|
|
Bank of Maharashtra
Bank
Lowest rate
|
Interest rate 8.50% – 9.25% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹20,000 – ₹1 Crore |
Tenure 1–2 yrs |
Processing fee ₹0–₹2,000 + GST Fee detailsMaha Gold Loan: nil up to Rs3 lakh; Rs500 (3-5 lakh); Rs1,000 (5-10 lakh); Rs1,500 (10-20 lakh); Rs2,000 above Rs20 lakh; bullet 12 months, EMI 24 months |
Eligibility
|
Apply Now |
Indian Bank
Bank
Lowest rate
|
Interest rate 8.50% – 8.80% p.a. · Overdraft / dropline Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹10,000 – ₹35 Lakh |
Tenure 12–35 mo |
Processing fee ₹0 Fee detailsIB Jewel Loan (non-priority): processing fee NIL; appraiser charges extra. ROI 8.50-8.80% (rate card 10.09.2026); bullet repayment up to 12 months (max Rs35 lakh), EMI up to 35 months; LTV up to 70% |
Eligibility
|
Apply Now |
|
UCO Bank
Bank
|
Interest rate 8.70% – 8.80% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹10,000 – ₹35 Lakh |
Tenure 3–24 mo |
Processing fee ₹0–₹4,000 + GST Fee detailsRetail: nil up to Rs25,000, slab Rs250-800 up to Rs5 lakh, 0.25% max Rs4,000 above. ROI retail UCO Float-0.05% (40% margin) to +0.15% (30% margin), UCO Float 8.05%; MSME Float-0.25%; aggregators quote 8.90-9.40%. Max Rs35 lakh/scheme, Rs1 cr overall |
Eligibility
|
Apply Now |
|
Indian Overseas Bank
Bank
Longest tenure
|
Interest rate 8.90% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹25,000 – ₹50 Lakh |
Tenure 1–5 yrs |
Processing fee ₹50–₹500 + GST Fee detailsJewel loan: 0.20% max Rs150 + GST up to Rs3 lakh, max Rs500 + GST above; nil for agri. ROI JL Others/Gold Loan Card/Suvidha RLLR+0.80% = 8.90%, Swarna Lakshmi (women, max Rs5 lakh) RLLR+0.70% = 8.80%; EMI-based JL fixed 11%; LTV up to 75% |
Eligibility
|
Apply Now |
Kotak Mahindra Bank
Bank
|
Interest rate 9.00% – 20.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹50,000 – ₹1.5 Crore |
Tenure 6–48 mo |
Processing fee ₹1,000–₹300,000 + GST Fee detailsPF 2% of loan + GST; credit appraisal ₹500-₹2,000 + GST; co-borrower if age <27 or >70 |
Eligibility
|
Apply Now |
Muthoot Finance
NBFC / HFC
|
Interest rate 9.00% – 24.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5,000 – ₹5 Crore |
Tenure 3–12 mo |
Processing fee ₹50–₹1,000 + GST Fee detailsLTV 75-85%; nominal processing/valuation charges + GST; svc charge Rs 50/loan or 0.15% (Rs 100-1,000) South, MEI 0.60%; age 21+ |
Eligibility
|
Apply Now |
Bajaj Finance
NBFC / HFC
|
Interest rate 9.50% – 24.25% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹5,000 – ₹2 Crore |
Tenure 1–12 mo |
Processing fee ₹10–₹40,000 Fee detailsPF 0.20% of loan amount (inclusive of taxes); tenure 1 day to 12 months; LTV up to 85% for loans up to Rs 2.5 lakh; interest payable monthly/bi-monthly/quarterly/half-yearly/annually |
Eligibility
|
Apply Now |
|
Bandhan Bank
Bank
|
Interest rate 9.50% p.a. onwards Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹10,000 – ₹80 Lakh |
Tenure 6–36 mo |
Processing fee ₹100–₹80,000 + GST Fee detailsUp to 1% of disbursement; foreclosure 3% on outstanding principal; OD variant with 0.25% commitment fee on unutilised limit; from 9.45% w.e.f. 01-Jun-2026; 6-36 months; up to Rs 80L (EMI) / 25L (bullet) |
Eligibility
|
Apply Now |
DCB Bank
Bank
Longest tenure
|
Interest rate 9.55% – 18.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹10,000 – ₹30 Lakh |
Tenure 1–5 yrs |
Processing fee ₹200–₹60,000 + GST Fee detailsAgainst gold jewellery and DCB-minted coins; up to Rs 30 lakh, tenure up to 5 years; PF up to 2% + taxes; 9.55-18% |
Eligibility
|
Apply Now |
IIFL Finance
NBFC / HFC
|
Interest rate 9.72% – 27.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹3,000 – ₹10 Lakh |
Tenure 1–24 mo |
Processing fee ₹0–₹20,000 + GST Fee detailsPF up to 2% exclusive of GST; MTM Rs 500; auction Rs 1,500; LTV up to 75% |
Eligibility
|
Apply Now |
|
Axis Bank
Bank
|
Interest rate 9.75% – 17.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹50,001 – ₹40 Lakh |
Tenure 6–36 mo |
Processing fee ₹750–₹60,000 + GST Fee detailsUp to 1.5% of sanctioned amount + taxes; foreclosure 2% within 6 months (nil after); no foreclosure for MSME |
Eligibility
|
Apply Now |
Manappuram Finance
NBFC / HFC
|
Interest rate 9.90% – 24.00% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹10,000 – ₹1.5 Crore |
Tenure 3–12 mo |
Processing fee ₹25 + GST Fee detailsSchemes MT+5 / SA+1 / DS: 9.90%-24% base by repayment frequency (26.82% annualised); PF Rs 25 + tax; insurance Rs 25; loans above Rs 1.5 Cr need special approval (up to Rs 5 Cr); LTV up to 85%; normal tenure 3-12 months (Interest Rate Policy) |
Eligibility
|
Apply Now |
|
Interest rate 10.00% – 18.50% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹20,000 – ₹1 Crore |
Tenure 6–36 mo |
Processing fee ₹0–₹300 + GST Fee detailsPF nil up to Rs 25,000; Rs 100 up to Rs 1 lakh; Rs 300 above Rs 1 lakh; LTV up to 84%; foreclosure 1.5% within 90 days; tenure 6-36 months; age 18-75 |
Eligibility
|
Apply Now | |
IndusInd Bank
Bank
|
Interest rate 10.01% – 15.50% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹10,000 – ₹1 Crore |
Tenure 3–36 mo |
Processing fee ₹100–₹100,000 + GST Fee detailsPF up to 1% of loan; valuation ₹500 (up to ₹2 lakh) / ₹750; discount for women & agriculturists; no income proof up to ₹20 lakh |
Eligibility
|
Apply Now |
|
City Union Bank
Bank
|
Interest rate 11.60% – 12.60% p.a. Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹10,000 – ₹1 Crore |
Tenure 3–12 mo |
Processing fee ₹0–₹25,000 + GST Fee detailsPF max 0.25% + appraiser fee max 0.25% (nil for priority-sector loans up to Rs 50,000); bullet repayment up to 12 months; Gold Plus OD available; LTV per RBI |
Eligibility
|
Apply Now |
|
HDFC Bank
Bank
|
Interest rate 11.91% p.a. onwards Rate verified 13 Oct 2026 · lender's rates |
Loan amount ₹25,000 – ₹50 Lakh |
Tenure 6–42 mo |
Processing fee ₹250–₹50,000 + GST Fee detailsMax 1% of disbursal + taxes; valuation ₹350-₹1,500 per packet; Bank IRR Jan-Mar 2026 9.00%-19.00% (advertised from 11.91%); MSE loans up to ₹5 lakh PF exempt with URC |
Eligibility
|
Apply Now |
Federal Bank
Bank
|
Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹1,000 – ₹1.5 Crore |
Tenure 1–3 yrs |
Processing fee ₹350–₹150,000 + GST Fee detailsGold loan schemes offered; official page blocked at time of research, pricing not captured; PB: floating 8.89-9.59%, fixed 9.79-21.5%; PF 0.25%-1% (min Rs 350-500); Rs 1k-1.5Cr; 1-3 yrs |
Eligibility
|
Apply Now |
|
ICICI Bank
Bank
|
Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹50,000 – ₹3 Crore |
Tenure 6–36 mo |
Processing fee ₹1,000–₹600,000 + GST Fee detailsUp to 2% + taxes plus valuation charges; loans up to ₹3 crore |
Eligibility
|
Apply Now |
IDFC FIRST Bank
Bank
|
Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹25,001 – ₹75 Lakh |
Tenure 3–12 mo |
Processing fee ₹250–₹75,000 + GST Fee detailsPF up to 1%; bullet scheme max Rs 20 lakh, EMI scheme min Rs 2 lakh |
Eligibility
|
Apply Now |
Karur Vysya Bank
Bank
|
Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹10,000 – ₹2 Crore |
Tenure 3–12 mo |
Processing fee ₹200–₹2,000 + GST Fee detailsJewel loan term loans of 3/6/12 months; PF Rs 200 (<= Rs 50k) sliding to Rs 2,000 (> Rs 3 lakh) |
Eligibility
|
Apply Now |
RBL Bank
Bank
|
Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹25,001 – ₹1 Crore |
Tenure 3–12 mo |
Processing fee ₹100 + GST Fee detailsLoan against gold ornaments offered; pricing not published on product page; Rs 25,001-1 Cr; 3-12 months; LTV 75%; age 18-65 salaried/70 SE; MMM: 10.65-15.5%, PF Rs 100 + tax |
Eligibility
|
Apply Now |
|
Shriram Finance
NBFC / HFC
|
Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹5,000 – ₹2 Crore |
Tenure 1–12 mo |
Processing fee ₹300–₹1,000,000 + GST Fee detailsPF capped at 5%; LTV up to 85%; auction charges up to Rs 3,500; doc charges up to Rs 3,000; no foreclosure charges |
Eligibility
|
Apply Now |
South Indian Bank
Bank
Highest amount
|
Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹5,000 – ₹10 Crore |
Tenure 3–36 mo |
Processing fee ₹100–₹250,000 + GST Fee detailsGold loan schemes offered (official site blocked automated access; pricing not captured); PB: 9.25-14.80%; Rs 5k-10Cr; up to 3 yrs; PF 0.25%; SIB Loan Referral Partner programme |
Eligibility
|
Apply Now |
Yes Bank
Bank
|
Interest rate Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹25,000 – ₹50 Lakh |
Tenure 3–36 mo |
Processing fee ₹200–₹50,000 + GST Fee detailsGold loan / gold loan OD offered; schedule of charges published as PDF; pricing not captured; SOC Jan 2026: PF up to 1% + GST, valuation Rs 750, gold deposit Rs 500, foreclosure 1% |
Eligibility
|
Apply Now |
Not sure which lender fits? Check your eligibility with all 24 lenders with a single application.
Check eligibilityRates are each lender's own published figures, checked against the lender's website on the date shown. The rate, amount and approval you are offered depend on the lender's assessment of your profile — FynnEdge does not guarantee approval, disbursal or any particular rate.
Explore Gold Loan by amount, type, need & location
By Type
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 contacted Fynnedge for help regarding the different types of personal loans available. The process went smoothly but it took quite long for the approval. Overall, it was a good experience.””
Kavita Iyer
Hyderabad
-
“I collaborated with Fynnedge to seek a personal loan for a specific expenditure. The process was straightforward, and the staff explained how loans functioned. The only issue was the length of the whole application process.””
Sandeep Malhotra
Chandigarh
-
“I have had a very happy experience with the Flexi Hybrid Term Loan. I found the process quite easy, although I did have to go through a lot of documentation as well as learn about all the terms and conditions of the loan first." ”
Rajesh Gupta
kanpur
Frequently asked questions
What is a gold loan?
A gold loan is a secured loan in which the lender retains the borrower's gold in the form of jewellery. The lender checks the gold for purity as well as weight to decide the amount of loan to be given.
What interest rates do gold loans have?
The interest rates on gold loans depend on various factors like the lender offering gold loans, the amount of loan, duration of loan and loan to value ratio.
What gold loan amount can I get?
The gold loan amount depends on factors such as purity, weight and the determined value of the gold. It also depends on the lender’s policy and loan-to-value ratio, and some lenders could give as much as a ₹50 lakh loan depending on eligibility.
For what purposes can gold loans be used?
You can get gold loans for any purpose, like medical treatment, education, business, agricultural requirements, paying off other loans, etc.
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