Gold Loan at 8.5%* p.a. — instant cash in 30 minutes
- Up to 75% of your gold's value
- No CIBIL score required
- Gold kept safe in insured vaults
Interest from
8.5% p.a.
Loan up to
₹1 Crore
Tenure
3 – 36 months
Gold Loan at a Glance
| Feature | Details |
|---|---|
| Interest Rate | 8.5% – 26% p.a. |
| Loan to Value | Up to 75% of gold value |
| Tenure | 3 – 36 months |
| Processing Fee | 0% – 1% of loan amount |
| CIBIL Score | Not mandatory |
| Disbursal Time | Within 30 minutes |
Gold Loan Interest Rates
Compare offers from our lending partners. Rates are indicative and depend on your profile.
Muthoot Finance
HDFC BankKey Features & Benefits
Instant Cash
Quick valuation and same-day disbursal.
No Credit Check
Your gold is the security — CIBIL not mandatory.
Flexible Repayment
Pay interest monthly and principal at the end (bullet).
Safe & Insured
Gold stored in secure, insured vaults.
Gold Loan EMI Calculator
Use the sliders to see your monthly EMI and total interest.
Eligibility Criteria
- Age 18 years and above
- Owner of gold jewellery of 18–22 carat purity
- Valid KYC documents
Documents Required
- PAN Card
- Aadhaar Card / Address proof
- Passport size photograph
Fees & Charges
| Particulars | Charges |
|---|---|
| Processing Fee | 0% – 1% of loan amount |
| Valuation Charges | Nil – ₹500 |
| Prepayment | Nil with most lenders |
| Late Payment | As per lender policy |
How to Apply for Gold Loan via MyLoanWala
- 1
Fill a short form with your name, mobile number and loan requirement.
- 2
Our loan expert calls you and compares offers from multiple banks & NBFCs.
- 3
Choose the best offer and submit documents online.
- 4
Get approval and money credited directly to your bank account.
Gold Loan — FAQs
How is my gold valued?
Lenders check the purity and weight of your jewellery and apply the current gold rate. Stones are not counted.
What happens if I don't repay my gold loan?
The lender may auction the gold after sending notices. Always repay on time or renew the loan.