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Loan against gold or gold loan is a secured loan which is provided by banks and NBFCs against gold jewellery you own. The gold ornaments are kept as collateral and funds are disbursed against the same within the same day the loan application is approved. Gold loan is thus one of the best funding methods to meet the requirement of immediate cash. However, you must note that gold bars and biscuits are not considered as security, but only ornaments are.

Once you repay the loan completely, the financial institution will release the gold ornaments back to you in few days. Loanbaba gold loan features the shortest processing time and feasible interest rate. Loan against gold is of a medium tenure, thus you can repay the loan faster and not be burdened financially. If you are looking for immediate cash-flow then gold loan is what you can select.

Basic documents are demanded and documents such as bank statements, salary slips, and IT return may not be mandatory.

Approval of loan against gold does not depend on your credit history, income, but mainly influenced by the value and purity of the gold jewellery.

The loan amount on gold will depend on the ornaments’ value as per current day.

In most of the cases, the bank/NBFC shall not charge you a prepayment penalty.

Financial institutes can provide you up to 75% of the gold value. The loan amount will be based on the gold present in the ornament and not other metals or precious stones in the same.


The best feature of gold loan is that you have the option to pay the interest component only throughout the loan tenure. You can then repay the principle loan amount in lump sum after the tenure of the loan comes to an end. As loan against gold is a secured loan, the approval time is less and though a decent credit score will be helpful, it is not the prime requirement. There are special gold loan schemes offered by banks and NBFCs for agriculturists, businesses, women and more as well.

The banks/NBFCs providing loan against gold, offer free security for your gold jewelleries.

Get maximum loan up to 75 percent of the gold ornaments’ value.

Loan amount ranges from Rs. 50 thousand to Rs. 50 lakhs.

Documents required are identity proof, address proof, income proof, and passport size photographs.

Loan tenure ranges from 6 months to 2 years.

Interest rate is from 11.00% to 13.50%, but subjected to change

The value of the gold ornaments is based on the weight of the gold present in the jewellery only.

Applying for gold loan online is pretty easy on our website. Applications are processed as soon as within minutes with loan disbursal within a day or few hours. Some of the top providers of gold loan in India are: Manappuram Finance, Muthoot Finance, Bajaj Finserv, HDFC, SBI (State Bank of India), ICICI Bank, Allahabad Bank, Axis Bank, etc. You can apply for loan against gold at by comparing loan offers from different financial institutes at one page itself.

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