Gold loan interest rates today
Updated 8 Nov, 6:30 am · 5 lenders · RBI repo rate 5.50% · Lowest: 9.20% p.a. at State Bank of India
Gold loan rates – November 2026
| Lender | Type | Rate (p.a.) | Up to | Source |
|---|---|---|---|---|
| State Bank of India Personal Gold Loan | Public Sector Bank | 9.20% – 10.25% | ₹50 L | SBI website read 8 Nov, 6:30 am |
| HDFC Bank Gold Loan | Private Bank | 9.30% – 17.00% | ₹1 Cr | Our lender list checked 25 Oct 2026 |
| IIFL Finance Gold Loan | NBFC | 9.72% – 27.00% | ₹1 Cr | IIFL Finance website read 8 Nov, 6:30 am |
| Muthoot Finance Gold Loan | NBFC | 9.90% – 24.00% | ₹5 Cr | Our lender list checked 25 Oct 2026 |
| Manappuram Finance Gold Loan | NBFC | 9.90% – 24.00% | ₹2 Cr | Manappuram Finance website read 8 Nov, 6:30 am |
Rates are the lenders’ published ranges for new loans. The lender decides the final rate at sanction. Sorted by lowest starting rate.
What decides your gold loan rate
- Repayment type – bullet repayment schemes and EMI schemes are priced differently
- Loan-to-value – higher LTV schemes carry a higher rate
- Tenure – most gold loans are for 6 to 12 months
- Banks are usually cheaper than gold-loan NBFCs, which are faster and more flexible
Common questions
Which lender has the lowest gold loan interest rate today?
As on 8 Nov 2026, the lowest starting rate in our comparison is 9.20% p.a. at State Bank of India (Personal Gold Loan). The rate you are offered depends on your credit score, income and the lender’s own grading of your profile.
How current are these rates?
3 of the 5 lenders in this table are read directly from the lender’s website twice a day, at 6:30 am and 2:30 pm. The others come from our lender list, with the date each was last checked.
Will I get the lowest rate shown?
The starting rate is for the strongest profiles. Check your own eligibility on Funding Desk to see the rate and amount each lender is likely to offer you – it does not affect your credit score.