Secured and specialty
Gold Loan
Same-day liquidity against gold, with no income proof and no credit score hurdle.
Loans against gold jewellery and coins from ₹10,000 to ₹1 crore at rates from about 9% p.a., funded up to 75% of value, disbursed the same day.
- Rate from
- 9.00% p.a.
- Amount
- ₹10 K to ₹1 Cr
- Tenure
- 3 to 36 months
- Processing fee
- Nil to 1% of the loan amount
Check gold loan eligibility
Free pre-screen across our lender panel. No bureau enquiry.
About gold loans
A gold loan is the quickest formal credit available in India: walk in with jewellery, walk out with funds within an hour, with no income documents and no dependence on your credit score. It suits short-term needs and borrowers whose profile does not fit unsecured lending.
The choice is between banks, which price lower but are slower and stricter on purity, and gold loan NBFCs, which are faster and more flexible with schemes that suit different repayment styles. We help you compare the effective cost, including valuation practice and interest calculation method, and steer you to a lender with secure storage and transparent auction policy.
Rate note: Banks start near 9% p.a.; NBFC schemes range widely by tenure and repayment structure. Funding: Up to 75% of the value of the gold content on larger loans. RBI's 2025 gold lending directions set the limit by ticket size and allow a higher ratio on smaller consumption loans, so your lender will confirm what applies to you.
Why borrowers choose it
What a gold loan through LoansPartner gets you
Funds within hours
Valuation, documentation and disbursal in a single visit.
No income proof or score
The gold secures the loan; your profile does not need to.
Flexible repayment
Bullet repayment, interest-only, or EMI structures to suit cash flows.
Lower cost than unsecured credit
Cheaper than personal loans for borrowers outside prime brackets.
Common uses
- Medical and family emergencies
- Short-term business cash gaps
- Bridging until a salary or receivable arrives
- Agricultural and seasonal needs
Eligibility
Who qualifies
Norms vary by lender. These are the ranges across our panel; we tell you precisely where your profile fits before you apply.
- Age
- 18 to 75 years
- Income
- No income proof required
- Credit score
- Not a primary criterion
- Employment
- Any: salaried, self-employed, homemakers, farmers, students
- Also
- Gold of 18 to 22 karat purity; coins from banks up to 50 grams
Documents
What to keep ready
A complete file is the single biggest driver of a fast sanction. We collect everything digitally in one go.
- PAN or Form 60 and Aadhaar
- Photographs
- The gold to be pledged
- PAN or Form 60 and Aadhaar
- Photographs
- The gold to be pledged
How it works
Five steps, one point of contact
- 01
Tell us the approximate weight and purity of the gold and the amount you need.
- 02
We indicate lender options with their rates and schemes.
- 03
Visit the branch; the gold is valued and sealed in your presence.
- 04
Funds are disbursed to your account or as an instant transfer the same day.
- 05
Repay on the chosen schedule and collect the gold; we help with renewals if needed.
Indicative EMIs
What the instalment looks like
Computed at the lowest rate in this product's range. Run your own numbers in the EMI calculator.
| Loan amount | 6 mo | 1 yr | 2 yr | 3 yr |
|---|---|---|---|---|
| ₹10,000 | ₹1,711 | ₹875 | ₹457 | ₹318 |
| ₹20,000 | ₹3,421 | ₹1,749 | ₹914 | ₹636 |
| ₹50,000 | ₹8,553 | ₹4,373 | ₹2,284 | ₹1,590 |
| ₹1,00,000 | ₹17,107 | ₹8,745 | ₹4,568 | ₹3,180 |
| ₹2,00,000 | ₹34,214 | ₹17,490 | ₹9,137 | ₹6,360 |
Lenders
Where we place gold loan files
A selection from our panel. The best lender for you depends on your profile, city and the property or asset involved.
HDFC Bank
Private bankSalaried professionals seeking competitive personal, home and car loan pricing.
ICICI Bank
Private bankHome buyers in approved projects and businesses needing working capital lines.
Axis Bank
Private bankCorporate salaried borrowers and SMEs with strong banking.
State Bank of India
Public sector bankGovernment employees, home buyers seeking the lowest published rates, and education loan applicants.
Bank of Baroda
Public sector bankSalaried home and car buyers and MSMEs seeking bank pricing.
Punjab National Bank
Public sector bankGovernment and PSU employees in North India.
FAQs
Gold Loan questions, answered
How much gold loan can I get per gram?
Lenders fund a percentage of the value of the gold content, based on the previous 30-day average price of 22-karat gold, with the limit set by ticket size under RBI's 2025 gold lending directions. Ornaments with stones are valued on gold weight alone.
Is my gold safe with the lender?
Regulated banks and NBFCs store pledged gold in insured vaults and issue a detailed pledge receipt. We work only with regulated lenders with transparent auction and grievance policies.
What happens if I cannot repay on time?
Lenders issue notices and allow renewal or part payment before any auction. RBI norms require advance notice and refund of any surplus from an auction. Talk to us early if repayment looks difficult.
Related products
Sometimes a different product is cheaper. We will say so.
Personal Loan
Collateral-free personal loans from ₹50,000 to ₹50 lakh at rates starting around 10.25% p.a., with disbursal typically within 48 hours of approval.
- Rate from
- 10.25% p.a.
- Up to
- ₹50 L
Loan Against Property
Loans against residential, commercial or industrial property from ₹10 lakh to ₹15 crore at rates from about 8.75% p.a., with tenures up to 15 to 20 years and funding up to 70% of market value.
- Rate from
- 8.75% p.a.
- Up to
- ₹15 Cr
Guides
Read before you apply
Get your gold loan shortlist.
Share your requirement in two minutes. Our credit desk pre-screens your profile and calls with lenders, rates and next steps. No fee, no bureau enquiry.