Find your maximum loan amount, monthly EMI, and compare interest rates across India's top gold loan lenders.
| Lender | Interest Rate | Max LTV | Processing Fee | EMI (12 months) | Total Interest |
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A gold loan is one of the fastest and simplest credit products available to Indian borrowers. You pledge your gold ornaments, coins, or bars with a lender — a bank or NBFC — and receive a loan of up to 75% of the gold's current market value. The gold is safely stored with the lender, and you get it back once you repay the full principal and interest. Disbursement typically happens within 30 to 60 minutes, with no credit score check required.
The Reserve Bank of India caps the Loan-to-Value (LTV) ratio at 75% for all gold loans. This means if your gold is worth ₹1,00,000, the maximum loan you can receive is ₹75,000. Only 18K and above gold is accepted as collateral by most lenders, and it must be in the form of jewellery or coins — gold ETFs, SGBs, and paper gold are not accepted as physical collateral.
If gold prices fall sharply after you take a loan, the lender may issue a margin call asking you to either repay part of the loan or pledge additional gold to bring the outstanding balance back within the 75% LTV limit. Failure to comply within the stipulated time gives the lender the right to auction your gold to recover their dues. To protect against this, consider borrowing only 60–65% of your gold's value rather than the full 75%.