Gold loan
Gold loans are the quickest secured loan – often same day – and do not need income proof or a credit score.
Check your own eligibility in 2 minutesFree · no credit-score enquiry · lender-wise amount, rate and EMI
Check nowStarting rates today
| Lender | Type | Rate range | Up to | Min score |
|---|---|---|---|---|
| State Bank of India Personal Gold Loan | Public Sector Bank | 8.75% – 9.75% | ₹50 L | Any |
| HDFC Bank Gold Loan | Private Bank | 9.30% – 17.00% | ₹1 Cr | Any |
| Muthoot Finance Gold Loan | NBFC | 9.90% – 24.00% | ₹5 Cr | Any |
| Manappuram Finance Gold Loan | NBFC | 9.90% – 26.00% | ₹2 Cr | Any |
| IIFL Finance Gold Loan | NBFC | 11.88% – 27.00% | ₹1 Cr | Any |
As on 26 Oct 2026, RBI repo rate 5.50%. Indicative ranges; your rate depends on your profile.
See today’s rates from every lender →
Who is eligible
- Gold ornaments of 18–22 carat
- KYC only; no income proof at most lenders
How much you can get
- RBI limits: up to 85% of gold value for loans up to ₹2.5 lakh, 80% up to ₹5 lakh, 75% above
- Tenure up to 12 months; bullet or EMI repayment
Documents
- KYC
- Gold ornaments for valuation
Tips from our credit panel
- Banks are usually cheaper; NBFCs are faster
- Choose EMI repayment if you cannot repay the whole amount at the end
Common questions
How much loan can I get on gold?
Up to 75–85% of the gold’s value depending on the loan size, as per RBI limits.