7208210339
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Theo

● Gold Loan Expert

✨ Hi! Need quick cash? A gold loan can get you funds in hours — no credit score, no income proof. Ask me how much loan you can get on your gold.

✨ Gold Loan — Emergency Funds in Hours

No credit score. No income proof. Get up to 75% of your gold's value as instant cash. Same-day disbursal from India's top banks and NBFCs.

8.75%Starting Rate
75%LTV on Gold
Same DayDisbursal
No credit score required
No income proof required
Funds in as fast as 30 minutes

Compare Gold Loan Rates — 2026

🔍 Filter Results

28%

Gold Loan Comparison

Sort by:
LenderInterest RateLTVRepaymentBest For
SBI
Lowest Rate		8.75% p.a.75%All typesLargest network
Bank of India
8.80% p.a.75%All typesQuick processing
Rupeek
Doorstep Service		8.88% p.a.75%DigitalAt-home pickup
Canara Bank
9.25% p.a.75%All typesGeneral
PNB
9.25% p.a.75%All typesGeneral
Bajaj Finance
NBFC		9.50–28% p.a.75%FlexibleInstant online
ICICI Bank
10.00% p.a.75%All typesUrban customers
IIFL Finance
NBFC		11.88–27% p.a.75%Digital + branchWide reach
Muthoot Finance
Largest Gold NBFC		12.00% p.a.75%Overdraft availablePan-India branches
* LTV: RBI maximum is 75% of gold's market value. Gold must be 18–24 carat jewellery or coins. Ornamental gold only (bullion not accepted at most lenders).

Gold Loan Amount Estimator

Estimate how much loan you can get on your gold

Gold Loan Parameters

Estimated Loan Amount
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Total Repayment
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Total Interest

💡 Based on approx. ₹7,200/gram gold rate @75% LTV. Actual amount subject to gold purity & market rate on date of loan.

About Gold Loans

Why Choose a Gold Loan?

  • No credit score required: Perfect if your CIBIL is low
  • No income proof: Ideal for self-employed, housewives
  • Same-day funds: Most lenders disburse within hours
  • Flexible repayment: Bullet, interest-only, or regular EMI
  • No end-use restriction: Use for any purpose

Repayment Options

  • Bullet payment: Pay everything at end of tenure
  • Interest-only EMI: Pay only interest monthly, principal at end
  • Regular EMI: Equal monthly installments
  • Partial payments: Repay as and when funds are available

How It Works

  1. Bring your gold ornaments to the bank/NBFC branch
  2. Gold is evaluated for weight and purity
  3. Loan amount = 75% of gold's current market value
  4. KYC documents verified (PAN, Aadhaar)
  5. Funds disbursed — often within 30–60 minutes
  6. Gold stored safely in lender's vault
  7. Repay loan + interest → Gold returned

What Gold is Accepted?

  • 18–24 carat gold jewellery
  • Gold coins (up to 50g per lender guidelines)
  • Gold bars (selected lenders)
  • Not accepted: Gemstones, silver, other metals

Frequently Asked Questions

Yes — your gold is stored in the bank's highly secured vault throughout the loan tenure. Banks are regulated by RBI and have strict protocols. Your ornaments are insured against theft and damage. They are returned in the exact condition when you repay the loan.
If you default, the lender has the right to auction your gold after proper notice. However, this rarely happens. Most lenders work with you to restructure the loan or extend the tenure. It's important to communicate early if you're facing repayment challenges.
Yes! Rupeek offers doorstep gold loan services — their representative visits your home to evaluate the gold and disburse funds directly. This is ideal if you prefer not to visit a branch. This service is available in major cities.
RBI has capped gold loan LTV at 75% — meaning you can get up to 75% of your gold's current market value. If gold rate is ₹7,200/gram and you have 100 grams, the maximum loan is approximately ₹5.4 lakh.

Get Quick Funds Against Your Gold

Same-day disbursal — no credit score, no income proof needed

📞 Call 7208210339
T

Theo

Your AI Financial Expert

👋 Hi! I'm Theo, your AI financial expert. What are you looking for today?