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OnePaisa — Smart Finance for India

Gold Loan

16 lenders · rates from 8.5% · secured, up to ₹2Cr

Check Your Rate →Soft check · won’t affect your credit score

Live rate table

Sortable · date-stamped
16 lenders
Central Bank of India logo
Central Bank of India
Bank
0.3% fee · ₹60L max
Get Offer
ICICI Bank logo
ICICI Bank
Bank
2% fee · ₹2Cr max
Get Offer
S
State Bank of India
Bank
up to 0.25% fee · ₹50L max
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Kotak Mahindra Bank logo
Kotak Mahindra Bank
Bank
Varies fee · ₹1Cr max
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Axis Bank logo
Axis Bank
Bank
Varies fee · ₹1Cr max
Get Offer
Canara Bank logo
Canara Bank
Bank
Varies fee · ₹1Cr max
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HDFC Bank logo
HDFC Bank
Bank
1% fee · ₹50L max
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Bajaj Finance logo
Bajaj Finance
NBFC
Varies fee · ₹1Cr max
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IDFC FIRST Bank logo
IDFC FIRST Bank
Bank
1% fee · ₹75L max
Get Offer
Federal Bank logo
Federal Bank
Bank
0.5% fee · ₹1Cr max
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IndusInd Bank logo
IndusInd Bank
Bank
Varies fee · ₹1Cr max
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RBL Bank logo
RBL Bank
Bank
₹300 – ₹600 fee · ₹1Cr max
Get Offer
IIFL Finance logo
IIFL Finance
NBFC
Varies fee · ₹1Cr max
Get Offer
Muthoot Finance logo
Muthoot Finance
NBFC
1% fee · ₹1Cr max
Get Offer
Manappuram Finance logo
Manappuram Finance
NBFC
1% fee · ₹1Cr max
Get Offer
Piramal Finance logo
Piramal Finance
NBFC
0.15% fee · ₹50L max
Get Offer
Estimate your EMI ~30 sec · indicative
Estimated EMI
₹26,166/mo
Get offers at this amount →
Eligibility for Gold Loan depends on the value of the gold you pledge, not your income. Start an application for a real answer.
EMI examples · at 8.5% p.a.
₹2L · 6 mo
₹34,165/mo
₹3L · 12 mo
₹26,166/mo
₹5L · 24 mo
₹22,728/mo

Eligibility

Age18+ years
EligibilityOwn gold jewellery/coins of accepted purity
Credit scoreUsually not required — the loan is secured by gold
LTVUp to 75% of gold value (RBI cap)

Documents

  • PAN and Aadhaar
  • Address proof
  • The gold to be pledged
  • Passport-size photograph

Fees & charges

Processing feePer each lender’s schedule (banks often lower than NBFCs)
Prepayment / foreclosureTypically nil or nominal; varies by lender
ValuationUsually free at the branch

FAQ

Up to 75% of the assessed gold value — the RBI loan-to-value cap. The rate depends on the lender and scheme, not your credit score.

Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.

No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.

Every rate is date-stamped and linked to the lender’s published material · RBI-registered lenders only
Best rate today8.5% · Central Bank of India
Check your rate