- RBI Regulated Lenders
- Trusted Partners
Gold Loan — Compare Rates & Apply Online
Get the best gold loan rates from banks and NBFCs near you, matched to your requirement in minutes.
30 min Disbursal
Get funds fast once your gold is appraised.
Lowest Monthly Rate
Compare rates across banks and NBFCs.
Upto 75% LTV
Maximum loan value per RBI's guidelines.
How it works
- 1
Estimate
Enter your loan amount or gold weight to see what you qualify for.
- 2
Compare
View nearby branches and online partners matched to your needs.
- 3
Schedule
Pick a branch and schedule a visit — or apply online instantly.
Today's Rates
Gold Loan Per Gram Today
| Purity | Rate/gram | 10g rate | Max 75% LTV(>₹5L) | Max 80% LTV(₹2.5–5L) | Max 85% LTV(<₹2.5L) |
|---|---|---|---|---|---|
| 18K | ₹10,473 | ₹1,04,730 | ₹7,855 | ₹8,378 | ₹8,902 |
| 19K | ₹11,059 | ₹1,10,590 | ₹8,294 | ₹8,847 | ₹9,400 |
| 20K | ₹11,632 | ₹1,16,320 | ₹8,724 | ₹9,306 | ₹9,887 |
| 21K | ₹12,219 | ₹1,22,190 | ₹9,164 | ₹9,775 | ₹10,386 |
| 22K | ₹12,805 | ₹1,28,050 | ₹9,604 | ₹10,244 | ₹10,884 |
| 24K | ₹13,964 | ₹1,39,640 | ₹10,473 | ₹11,171 | ₹11,869 |
Why Choose a Gold Loan?
- Instant approval — most applications processed in minutes
- No income proof or credit check required
- Minimal documentation — just ID and address proof
- Flexible repayment — EMI, interest-only, or bullet options
- Your gold is stored securely under insurance cover
- Doorstep gold pickup available with select partners
Why Choose FinVedik GoldBiz?
- Compare rates across 500+ branches and online partners in one place
- Transparent, no-obligation loan estimates before you visit a branch
- RBI-regulated lenders only — banks and trusted NBFCs
- Live gold rate updates, refreshed throughout the day
- Dedicated support to help you choose the right lender
- No hidden fees — see exactly what you qualify for upfront
- Trusted by thousands of gold loan customers across India
Frequently Asked Questions
Gold Loan Guide
Public Bank vs Private Bank vs NBFC
| Public Bank | Private Bank | NBFC | |
|---|---|---|---|
| Interest rate | 7–12% p.a. | 9–15% p.a. | 10–24% p.a. |
| Disbursal speed | Same day–2 days | Within hours | 30 min–same day |
| Documentation | Moderate | Minimal | Minimal |
| Branch network | Extensive | Wide | Very wide |
Gold Loan vs Personal Loan
| Gold Loan | Personal Loan | |
|---|---|---|
| Collateral | Your gold | None (unsecured) |
| Interest rate | 7–24% p.a. | 10–36% p.a. |
| Income proof | Usually not required | Required |
| Disbursal speed | 30 min–same day | 1–7 days |
Repayment Options
Monthly EMIs
Pay principal + interest in equal monthly installments over the loan tenure.
Interest-only
Pay only the interest monthly, and repay the principal at the end of the tenure.
Bullet repayment
Pay both principal and accumulated interest together at the end of the tenure.
Eligibility
- Age between 18 and 70 years
- Gold purity between 18K and 24K
- Minimum 10 grams of gold jewellery or coins
- Only jewellery and coins accepted — no gold bars or bullion
Required Documents
- Government-issued photo ID (Aadhaar, PAN, passport, or voter ID)
- Address proof
- Recent passport-size photograph
- The gold jewellery/coins to be pledged