Looking for a Gold Loan in Bhubaneswar? FynnEdge compares Gold Loan offers from partner banks and NBFCs for applicants living or working across Bhubaneswar — including Saheed Nagar, Patia, Chandrasekharpur, Nayapalli and Khandagiri — so you can check eligibility and start your application online.
Gold Loan is typically available from ₹10,000 to ₹5,000,000 over a tenure of 3–36 months, at lenders' published rates of 8.50%–27.00% p.a.
Lenders typically assess: Ownership of gold jewellery meeting the lender's purity requirements; Valid identity and address proof; Age 18 and above.
Documents commonly required: PAN Card, Address Proof, Gold Jewellery for Appraisal.
Eligibility and final terms are set by the lender at the time of application — the figures here are indicative starting points, not a guarantee of approval or of the exact rate you'll be offered.
Gold Loan in Bhubaneswar 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.
Oct 2026 – Sep 2027 Principal paid₹2,00,000 Interest paid₹9,327 Total paid₹2,09,327
| Month | Principal paid | Interest paid | Total paid | Balance remaining |
|---|---|---|---|---|
| Oct 2026 | ₹16,027 | ₹1,417 | ₹17,444 | ₹1,83,973 |
| Nov 2026 | ₹16,141 | ₹1,303 | ₹17,444 | ₹1,67,832 |
| Dec 2026 | ₹16,255 | ₹1,189 | ₹17,444 | ₹1,51,577 |
| Jan 2027 | ₹16,370 | ₹1,074 | ₹17,444 | ₹1,35,206 |
| Feb 2027 | ₹16,486 | ₹958 | ₹17,444 | ₹1,18,720 |
| Mar 2027 | ₹16,603 | ₹841 | ₹17,444 | ₹1,02,117 |
| Apr 2027 | ₹16,721 | ₹723 | ₹17,444 | ₹85,397 |
| May 2027 | ₹16,839 | ₹605 | ₹17,444 | ₹68,557 |
| Jun 2027 | ₹16,958 | ₹486 | ₹17,444 | ₹51,599 |
| Jul 2027 | ₹17,078 | ₹365 | ₹17,444 | ₹34,521 |
| Aug 2027 | ₹17,199 | ₹245 | ₹17,444 | ₹17,321 |
| Sep 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.
Why FynnEdge?
You could go directly to a bank. But why apply for a Gold Loan in Bhubaneswar 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.
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Comparing and applying through FynnEdge is free. Any lender fees are disclosed upfront by the lender.
What our customers say
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