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Home/Gold Loans

Gold Loans

Get Cash in 30 Minutes — Pledge Your Gold

General Banking Guidance— category overview. Certified product facts appear in each product card below.

20 products· 18 banks

Home/Products/Gold Loans

Gold Loans

Get Cash in 30 Minutes — Pledge Your Gold

General Banking Guidance— category overview. Certified product facts appear in each product card below.

What is this?

A gold loan is a secured loan where you pledge gold jewellery or gold coins as collateral with the bank and receive funds immediately. The bank evaluates the purity and weight of your gold and offers up to 75% of its market value as per RBI norms.

Available Variants

Gold Loan (EMI repayment)

Gold Loan (Bullet repayment — interest at end)

Overdraft Against Gold

Gold Loan for Agriculture (concessional rates)

Online Gold Loan with doorstep evaluation

Key Benefits

Loan in 30–60 minutes — minimal documentation

Up to 75% LTV as per RBI norms

No income proof required — collateral-based

Bullet or EMI repayment options

Gold safely stored in bank vault

Prepayment at any time without penalty

Eligibility Criteria

Indian citizens; age 18–75; must own gold jewellery or gold coins (up to 50g per account); 18–22 carat gold accepted. No minimum income requirement — purely collateral-based.

Who Should Choose This?

Those needing quick cash without income documentation
Farmers & rural customers (agri gold loans at lower rates)
Small business owners for working capital
Anyone with idle gold jewellery at home

Need help choosing?

Our advisors coordinate with banks for exclusive rates not available publicly.

Data verified from: Official bank websites — verified April 2026

ProductsBank-wise Products

20 products across 18 banks

ICICI Bank

ICICI Gold Loan

Bullet Repayment

Gold Loan

Interest Rate

9% p.a.

HDFC Bank

Gold Loan

Interest Rate

8.50% – 18% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹15,000 | up to ₹50,00,000

Yes Bank

Yes Bank Gold Loan

Standard

Gold Loan

Interest Rate

9.50% – 18% p.a.

Interest Type

fixed

Processing Fee

Nil for small amounts

Loan Amount

from ₹15,000 | up to ₹50,00,000

South Indian Bank

SIB Gold Loan

Standard

Gold Loan

Interest Rate

8.50% – 18% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹15,000 | up to ₹50,00,000

IndusInd Bank

IndusInd Bank Gold Loan

Standard

Gold Loan

Interest Rate

8.50% – 18% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹15,000

Jana Small Finance Bank

Jana Gold Loan

Standard

Gold Loan

Interest Rate

9% – 15% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹15,000 | up to ₹1,00,000

State Bank of India

SBI Gold Loan

Standard

Gold Loan

Interest Rate

8.65% – 10% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹15,000 | up to ₹50,00,000

DCB Bank

DCB Gold Loan

Standard

Gold Loan

Interest Rate

8.50% – 18% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹15,000 | up to ₹20,00,000

Bank of Baroda

Baroda Gold Loan OD

Gold Loan Overdraft

Gold Loan

Interest Rate

8.50% – 18% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹15,000

IDFC FIRST Bank

IDFC FIRST Bank Gold Loan

Gold Loan

Interest Rate

8.50% – 18% p.a.

Interest Type

fixed

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹15,000 | up to ₹20,00,000

Kotak Mahindra Bank

Kotak Mahindra Bank Gold Loan

Gold Loan

Interest Rate

9% – 18% p.a.

Interest Type

fixed

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹15,000 | up to ₹15,00,000

Axis Bank

Axis Bank Gold Loan

Gold Loan

Interest Rate

8.50% – 18% p.a.

Interest Type

fixed

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹15,000 | up to ₹25,00,000

AU Small Finance Bank

AU Bank Gold Loan

Standard

Gold Loan

Interest Rate

11% – 14.50% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹15,000 | up to ₹20,00,000

RBL Bank

RBL Bank Gold Loan

Standard

Gold Loan

Interest Rate

9.50% – 16% p.a.

Processing Fee

₹250-₹1,000 flat

Loan Amount

from ₹10,000 | up to ₹1,00,00,000

Eligibility

Gold 18-22 karat, Indian resident

Ujjivan Small Finance Bank

Ujjivan Gold Loan

Standard

Gold Loan

Interest Rate

10% – 17.90% p.a.

Interest Type

floating

Processing Fee

NIL for small amounts; ₹600-₹3,000 based on amount

Loan Amount

from ₹15,000 | up to ₹50,00,000

Equitas Small Finance Bank

Equitas Gold Loan

Standard

Gold Loan

Interest Rate

9% – 13% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹15,000 | up to ₹25,00,000

Bank of Baroda

Baroda Agri Gold Loan

Agri Gold

Gold Loan

Interest Rate

7.70% – 8.80% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹15,000 | up to ₹25,00,000

Bank of Baroda

Baroda Retail Gold Loan

Retail

Gold Loan

Interest Rate

8.80% – 9.50% p.a.

Interest Type

floating

Processing Fee

0.50% (Min ₹500) for Retail

Loan Amount

from ₹15,000 | up to ₹50,00,000

Capital Small Finance Bank

Capital Gold Loan

Standard

Gold Loan

Interest Rate

8.50% – 10.50% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹15,000

Federal Bank

Federal Bank Gold Loan

Standard

Gold Loan

Interest Rate

8.15% – 10.50% p.a.

Interest Type

floating

Processing Fee

0.5% of loan amount + GST

Loan Amount

from ₹15,000 | up to ₹1,50,00,000

What is this?

Available Variants

Gold Loan (EMI repayment)

Gold Loan (Bullet repayment — interest at end)

Overdraft Against Gold

Gold Loan for Agriculture (concessional rates)

Online Gold Loan with doorstep evaluation

Key Benefits

Loan in 30–60 minutes — minimal documentation

Up to 75% LTV as per RBI norms

No income proof required — collateral-based

Bullet or EMI repayment options

Gold safely stored in bank vault

Prepayment at any time without penalty

Eligibility Criteria

Indian citizens; age 18–75; must own gold jewellery or gold coins (up to 50g per account); 18–22 carat gold accepted. No minimum income requirement — purely collateral-based.

Who Should Choose This?

Those needing quick cash without income documentation
Farmers & rural customers (agri gold loans at lower rates)
Small business owners for working capital
Anyone with idle gold jewellery at home

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