Gold Loan at the Lowest Interest Rates

Gold Loan Schemes & Interest Rates

Choose the gold loan scheme that best fits your repayment preference. All schemes are available through our partner lenders.

Want to estimate your monthly payment? Use our Gold Loan EMI Calculator for instant results.

Gold Loan vs Personal Loan — Which Should You Choose?

Can't decide? Compare personal loan offers or talk to our loan experts.

Gold Loan — Frequently Asked Questions

What is a gold loan?

A gold loan (also called loan against gold) is a secured loan where you pledge your gold ornaments or jewellery as collateral. The lender provides a loan amount based on the current market value of your gold, typically up to 75% of its value (loan-to-value ratio). You repay the loan in EMIs or as a lump sum, and your gold is returned once the loan is fully repaid.

What is the minimum gold purity required?

Most lenders require gold ornaments to be between 18 Karat and 24 Karat purity. Gold coins issued by banks (up to 50 grams) are also accepted by some lenders. The purity is verified during the gold appraisal process at the time of application.

What is the maximum loan-to-value (LTV) ratio for gold loans?

As per RBI guidelines, the maximum LTV for gold loans is 75%. This means if your gold is valued at ₹10 Lakhs, you can receive a loan of up to ₹7.5 Lakhs. The actual LTV offered may vary by lender and scheme.

How quickly can I get a gold loan disbursed?

Gold loans are among the fastest to disburse. Once your gold is appraised and documentation is complete, funds can be credited to your bank account within 30 minutes to 2 hours. Some lenders offer over-the-counter cash disbursal for smaller amounts.

Is my gold safe with the lender?

Yes. All gold pledged as collateral is stored in high-security vaults with comprehensive insurance coverage. Lenders are required to maintain robust security systems and insure the gold against theft, fire, and natural disasters. Your gold is returned in the same condition upon full repayment.

What happens if I default on a gold loan?

If you fail to repay the loan within the stipulated period (including any grace period), the lender has the right to auction your gold ornaments to recover the outstanding amount. Any surplus from the auction after deducting the principal, interest, and charges is returned to you.

Can I get a gold loan with a low credit score?

Yes. Since gold loans are fully secured by your gold collateral, credit score requirements are far less stringent than unsecured loans. Most lenders approve gold loans even for applicants with low or no credit history, making it one of the most accessible loan products available.

What types of gold ornaments are accepted?

Most lenders accept gold necklaces, chains, bangles, rings, earrings, bracelets, and other gold jewellery. Gold coins minted by banks (up to 50 grams) are also accepted. Gold bars, foreign-origin gold, and gold-plated or gold-filled items are typically not accepted.

What is the interest rate on gold loans?

Gold loan interest rates through Samridhya start from 7.99% p.a. Rates vary based on the lender, loan scheme, amount, and tenure. Gold loans generally carry lower interest rates than personal loans because they are secured by collateral.

Can I prepay or foreclose my gold loan early?

Yes. Most lenders allow prepayment or foreclosure of gold loans with minimal or zero charges. Some schemes offer bullet repayment (pay interest monthly, principal at maturity) while others follow regular EMI structures. Check the specific scheme terms before selecting.