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Theo

● Gold Loan Expert

🥇 Hi! I'm Theo, your gold loan expert.

No credit score needed. No income proof. Get funds against your gold in hours. Ask me anything.

🥇 Gold Loan — Expert Guidance

No credit score. No income proof. Same-day disbursal. Get up to 75% of your gold's value instantly.

8.75%Starting Rate
75%LTV Ratio
Same DayDisbursal
✅ No CIBIL Score Needed
⚡ Same-Day Disbursal
🔒 Gold Safely Stored

Compare Gold Loan Rates — 2026

All lenders offer 75% LTV. Sorted by lowest interest rate.

🔍 Filter

28%

Gold Loan Comparison

LenderInterest RateLTV RatioRepaymentBest For
SBI
Lowest Rate		8.75% p.a. Lowest75%All typesLowest rate
Bank of India
8.80% p.a.75%All typesPSU bank
Rupeek
Doorstep		8.88% p.a.75%Digital / flexibleDoorstep pickup
Canara Bank
9.25% p.a.75%All typesPSU bank
PNB
9.25% p.a.75%All typesPSU bank
Bajaj Finance
NBFC		9.50–28% p.a.75%FlexibleLarge amounts
ICICI Bank
10.00% p.a.75%All typesPrivate bank
IIFL Finance
Specialist		11.88–27% p.a.75%Digital + branchBranch network
Muthoot Finance
Specialist		12.00% p.a.75%Overdraft availablePan-India branches
* LTV = Loan to Value (% of gold's value). Gold purity 18–24 karats accepted. Updated March 2026.

Gold Loan Eligibility Calculator

Estimate how much you can borrow against your gold

Your Gold Details

Approx. Loan Eligibility
~₹0
₹0
Total Repayment
₹0
Interest Amount

💡 Based on ~₹8,000/g gold rate × 75% LTV. Actual amount depends on current gold price & purity.

About Gold Loans

Why Gold Loans are the Fastest Option

  • No credit score required
  • No income proof needed
  • Same-day disbursal at most lenders
  • Any purpose — medical, business, personal
  • Lower rates than personal loans
  • Gold safely stored in bank vault

Repayment Options

  • Regular EMI — Principal + interest monthly
  • Bullet Payment — Pay everything at end of tenure
  • Interest-only EMI — Pay only interest monthly, principal at end
  • Partial Payments — Pay whenever you can
  • Overdraft Facility — Use as revolving credit (Muthoot)

Gold Accepted

  • 18 to 24 karat gold jewellery
  • Gold coins (bank-issued, up to 50g)
  • Ornaments with precious stones (value minus stones)
  • Hallmarked & non-hallmarked gold accepted

What is LTV (Loan-to-Value)?

LTV is the maximum loan percentage of your gold's market value. Most lenders offer 75% LTV (RBI maximum). So 100 grams of gold worth ₹8L gets you up to ₹6L in loan.

Is My Gold Safe?

Gold is stored in secured bank vaults with full insurance coverage. Rupeek even offers doorstep gold pickup and return. You get your gold back in full upon repayment.

Frequently Asked Questions

At current gold prices (~₹8,000/gram), 50 grams of 22k gold is worth roughly ₹4L. At 75% LTV, you'd get approximately ₹3L. The exact amount depends on current gold prices and purity — our experts can give you a precise estimate.
No! Gold loans are completely collateral-based. Your credit score doesn't matter. Even if you have a 0 or poor CIBIL score, you can get a gold loan easily. This is why gold loans are popular during financial emergencies.
If you default after the tenure, the lender has the right to auction your gold to recover the loan amount. However, most lenders will notify you and give grace time. Always ensure you can repay before pledging gold.
Yes! Rupeek Finance offers complete doorstep gold loan service — an executive visits your home, evaluates your gold, and deposits money in your account within 30 minutes. Gold is then stored safely in a bank vault.

Unlock the Value of Your Gold Today

No credit check. Same-day funds. Expert guidance on the best rate for your gold.

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Theo

Your AI Financial Expert

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