Gold Loan at Lowest Interest Rates
Get instant cash against your gold jewelry. No income proof required, no credit score check. Disbursal within 15-30 minutes.
Why Choose InstaEMI?
Gold Loan Interest Rates
Compare the latest gold loan interest rates from top banks and NBFCs
| Bank / NBFC | Interest Rate (p.a.) | Processing Fee | Tenure | LTV Ratio | Action |
|---|---|---|---|---|---|
| SBI | 8.65% - 9.85% | 0.50% | Up to 36 months | 75% | Apply |
| HDFC Bank | 9.50% - 17.55% | 1.00% | Up to 24 months | 75% | Apply |
| ICICI Bank | 10.00% - 19.00% | 1.00% | Up to 12 months | 75% | Apply |
| Muthoot Finance | 12.00% - 26.00% | Up to 1.00% | Up to 24 months | 75% | Apply |
| Manappuram Finance | 12.00% - 29.00% | Up to 1.50% | Up to 12 months | 75% | Apply |
| IIFL Finance | 11.88% - 27.00% | Up to 2.00% | Up to 24 months | 75% | Apply |
| Federal Bank | 9.50% - 15.00% | 0.50% | Up to 12 months | 75% | Apply |
| Canara Bank | 9.25% - 10.25% | 0.50% | Up to 12 months | 75% | Apply |
Gold Loan Eligibility Criteria
Gold loans have the simplest eligibility - your gold is your qualification
Documents Required for Gold Loan
Just basic KYC - no income proof or credit score required
Identity Proof
Aadhaar Card, PAN Card, Passport, Voter ID
Address Proof
Aadhaar, Utility Bills, Passport
Gold Items
Gold jewelry, coins, or bars to be pledged
Photographs
2 passport size photographs
How to Apply for Gold Loan
Get instant cash in 4 simple steps
Visit Branch/Apply Online
Walk into a bank/NBFC branch with your gold or apply online for doorstep service.
Gold Appraisal
Expert valuers assess your gold purity and weight to determine loan amount.
Documentation
Submit basic KYC documents. No income proof required for most lenders.
Get Instant Cash
Receive loan amount via cash, cheque, or direct bank transfer within minutes.
Gold Loan Offers From Top Lenders
Compare and choose the best gold loan offer
Muthoot Gold Loan
Muthoot Finance
9.24% - 22%
Loan Amount
₹5K - ₹5.0 Cr
Tenure
3 - 36 mo
Processing Fee: 0.25% - 1%
SBI Gold Loan
State Bank of India
7.5% - 8.5%
Loan Amount
₹20K - ₹50 Lakh
Tenure
12 - 36 mo
Processing Fee: 0.5% - 0.5%
Manappuram Gold Loan
Manappuram Finance
10% - 24%
Loan Amount
₹3K - ₹2.0 Cr
Tenure
1 - 12 mo
Processing Fee: Nil
Frequently Asked Questions
Get answers to common questions about gold loans
As per RBI guidelines, banks and NBFCs can lend up to 75% of the gold's value (Loan-to-Value ratio). For example, if your gold is valued at ₹1,00,000, you can get up to ₹75,000 as loan. The gold rate is determined by the lender based on current market prices for 22K/24K gold.
Unlock Your Gold's Value Today
Get instant cash against your gold. No income proof, no credit check, disbursal in minutes.