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A gold loan is a secured borrowing option where you pledge your gold as collateral to obtain funds from a lender. The loan amount is determined by the value of your gold, and the pledged gold is returned to you after repaying the loan along with the applicable interest.
Disclaimer: Finoneeds works with a network of lenders. They can compare loan offers from these lenders and help you apply for the one that best< suits your needs. Essentially, they act as a go-between for you and the lenders.
| Banks ▲ | Starting Interest Rate (p.a.) ▲ |
|---|---|
| Kotak Mahindra Bank | 8.75% p.a. onwards |
| Union Bank of India | 8.35% p.a. onwards |
| Bank of Baroda | 8.40% p.a. onwards |
| Central Bank of India | 8.50% p.a. onwards |
| Bank of India | 8.50% p.a. onwards |
| State Bank of India | 8.50% p.a. onwards |
| HDFC Home Loans | 8.75% p.a. onwards |
| LIC Housing Finance | 8.50% p.a. onwards |
| Canara Bank | 8.40% p.a. onwards |
| Punjab and Sind Bank | 8.40% p.a. onwards |
| IDFC First Bank | 8.50% p.a. onwards |
| Bank of Maharashtra | 8.35% p.a. onwards |
| Punjab National Bank | 8.35% p.a. onwards |
| IDBI Bank | 8.50% p.a. onwards |
| HSBC Bank | 8.50% p.a. onwards |
| Karur Vysya Bank | 8.50% p.a. onwards |
| Jammu and Kashmir Bank | 8.75% p.a. onwards |
| South Indian Bank | 8.75% p.a. onwards |
| Federal Bank | 8.80% p.a. onwards |
| Standard Chartered Bank | 8.85% p.a. onwards |
| Karnataka Bank | 8.85% p.a. onwards |
| Dakhanimi Bank | 9.35% p.a. onwards |
| Tata Capital | 8.60% p.a. onwards |
| Tamilnad Mercantile Bank | 8.60% p.a. onwards |
| Bandhan Bank | 9.16% p.a. onwards |
| Yes Bank | 8.60% p.a. onwards |
| Hudco Home Loan | Contact the bank |
| Aditya Birla | 8.60% p.a. onwards |
| GIC Housing Finance | 8.80% p.a. onwards |
| Shriram Housing | 9.50% p.a. onwards |
| India Shelter Finance | 12% p.a. onwards |
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Hassle free online process.
Pocket-friendly repayment
Int Rates: Floating rates from 8.50% to 9.50%
Tenure: extend up to 30 years
Processing Fess: 0.25% to 2% of the loan amount.
Hassle free online process
Pocket-friendly repayment
Int Rates: From 8.00% to 9.50%
Max Tenure: extend up to 30 years*
Processing Fess:0.5% to 1% of loan amt
Hassle free online process
Pocket-friendly repayment
Int Rates: From 8.00% to 9.50%
Max Tenure: extend up to 30 years*
Processing Fess:0.5% to 1% of loan amt
Hassle free online process.
Pocket-friendly repayment
Int Rates: 8.00% to 10.50%
Tenure: extend up to 30 years
Processing Fess: 0.5% to 1.5% of the loan amount, with a minimum amount of ₹3,000 plus GST.
Hassle free online process.
Pocket-friendly repayment
Int Rates: start from around 8.45% per annum
Tenure: extend up to 30 years
Processing Fess: 0.5% to 1% of the loan amount, with a minimum amount of ₹10,000 plus GST.
Hassle free online process
Pocket-friendly repayment
Int Rates: From 8.00% to 9.50%
Max Tenure: extend up to 20 years
Processing Fess: 0.5% to 1% of the loan amount, with a minimum amount of ₹10,000 plus GST
Hassle free online process
Pocket-friendly repayment
Int Rates: start from around 8.75% per annum
Max Tenure: extend up to 30 years
Processing Fess:0.5% to 2% of loan amt
Hassle free online process
Pocket-friendly repayment
Int Rates: start from around 8.95% per annum
Max Tenure: extend up to 30 years
Processing Fess: 0.5% to 1% of the loan amount, with a minimum amount of ₹10,000 plus GST
Hassle free online process
Pocket-friendly repayment
Int Rates: floating rates from around 8.95% per annum
Max Tenure: extend up to 30 years*
Processing Fess:0.5% to 1% of the loan amount, with a minimum amount of ₹10,000 plus GST.
Financial Institutions | Rate of Interest | Processing Fee | Loan Amount | For closure Condition and charges | Part Payment Options | Disbursal TAT | Minimum Monthy Income |
HDFC | 10.25%- 12.25% | Rs 4719 | Min. 50,000 Max. as per eligibility | Yes | 3 - 4 Working Days | Rs 25000 | 1-6 Years |
Bajaj Finance | 13.00% - 15% | Upto 1.50% | Upto Rs.35 Lacs | Yes | 24 Hrs | Rs 40000 for Metro and Rs 25000 for Non Metro | 1-7 Years |
IDFC | 10.75% - 13.45% | upto 3999 + GST | Min. 50,000 Max. as per eligibility | No | 1 - 2 Working Days | Rs 20000 | 1-5 Years |
ICICI | 10.50% - 17.50% | Rs.4999 for Special offers otherwise 1% - 1.5% | Min. 50,000 Max. as per eligibility | No | 3 - 4 Working days | Rs 25000 | 1-6 Years |
Standard Chartered | 11.00% - 12.50% | 1% | Rs.1,00,000 - Rs.50,00,000 | No | 1 - 2 Working Days | Rs 25000 | 1-5 Years |
Kotak Mahindra | 10.50% - 16.99% | 0.99% - 2.0% of Loan Amount | Rs.100,000 - Rs.20,00,000 | Yes | 3 - 4 Working days | Rs 25000 | 1-5 Years |
Tata Capital | 11.99% - 17% | 1.50%-2.00% | Rs.75,000 - Rs.15 Lacs | Yes | 1 - 2 Working Days | Rs 25000 | 1-6 Years |
Fullerton India | 11.99% - 26% | 1.00%-2.00% | Rs.50,000 - Rs.15,00,000 | No | 4 - 5 Working Days | Rs 20000 | 1-5 Years |
IndusInd Bank | 12.99%–20% | 0.5% -2% | Rs.1,00,000 - Rs.25,00,000 | No | 4 working days | Rs 25000 | 1-5 Years |
Yes Bank | 10.75% - 16.99% | 1-2% | Rs.100,000 - Rs.40,00,000 | Yes | 3 working days | Rs 25000 | 1-6 Years |
Axis Bank | 10.75% - 16.99% | 1.00%-2.00% | Rs.100,000 - Rs.30,00,000 | Yes | 48 Working days | Rs 20000 | 1-5 Years |
Additional Security Deposit | 99 | 99 | 99 | 99 | 9 | 9 | 99 |
Age | 18/21 years – 60/65 years |
Employment Type | Salaried |
Credit score | 750 or above with a good credit history |
Minimum Net Income (Monthly) | ₹15,000(non-metro cities) |
Loan Amount | Up to ₹50 lacs depending on the credit profile |
Work Experience | Salaried Employed at current company for at least 6/12 months Business tenure of at least 3 years (continuous) |
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