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Manappuram Finance Gold Loan

Manappuram Gold Loan with 10-minute disbursal, online servicing, and safe branch storage.

Documents required

  • PAN Card
  • Aadhaar Card
  • Gold ornaments for pledge
  • Passport-size photographs

As published by Manappuram Finance. Your branch may ask for more.

Get Manappuram Finance Offers →Soft check · won’t affect your credit score
Interest rate12 – 26% p.a.
Processing fee1%
Max amount₹1Cr
Max tenure1 yr
Compare with 15 other lenders →

Best for: South-India customers familiar with Manappuram branches; safe storage and online repayment.

Estimate your EMI ~30 sec · indicative
Estimated EMI
₹26,655/mo
Get offers at this amount →
Total cost of this loan ₹22,860 · interest + processing fee, ₹3,00,000 over 12 mo at 12% · no prepayment penalty
Eligibility for Gold Loan depends on the value of the gold you pledge, not your income. Start an application for a real answer.
EMI at Manappuram Finance’s 12% p.a.
₹2L · 6 mo
₹34,510/mo
₹3L · 12 mo
₹26,655/mo
₹5L · 12 mo
₹44,424/mo

Eligibility

At Manappuram Finance
Age18 – 70 years
Min salaryNo minimum
Min income (self-emp)No minimum
Min credit score600+
Employmentsalaried, self employed, professional
Disbursal10 minutes
Typical for gold loan
EligibilityOwn gold jewellery/coins of accepted purity
LTVUp to 75% of gold value (RBI cap)

Loan terms

Amount₹1K – ₹1Cr
Tenure1 year
Rate typeboth
PrepaymentNil
Late payment2-3% of EMI + applicable taxes
  • Quick disbursal
  • Online gold loan facility
  • Safe storage

Fees & charges

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.

Related readingGold Loan in India — When It Makes Sense & When to Avoid ItGold Loan vs Personal Loan — Which is Better for You?Muthoot Gold Loan Interest Rate 2026: Schemes, Per Gram Rate & How to Apply

More from Manappuram Finance

RBI-registered lenders only
RateFrom 12% p.a. · Manappuram Finance
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