Easy & hassle-free gold loans

Starting at 0.81%*p.m. (9.7% p.a.)

BANK BRANCH EVERY 3KM

branch every 3km

+91

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Today's gold rate 16/5/2025 #

Rupeek Gold Card

0% interest up to 45 days

Gold secured by Trusted Bank Partners

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Gold Loan at Branch

Gold Loan in 30mins* 4 Easy Steps
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Book Appointment

Select scheme, choose a bank branch, and book a time slot

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Meet Loan Manager

Verify loan manager's ID via OTP & get quick gold valuation done, at branch

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Get Loan Approved Instantly

Money gets transferred before you leave the partner branch

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Secure your Gold

Gold is safely stored in the partner bank's vault

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Gold Safely Stored At Partner Banks Branches Near your Home
Free 100% Insurance on your Gold Loan
india insurance co.

THE NEW INDIA ASSURANCE CO. LTD.


India's Premier Multinational General Insurance Company

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Your gold is safely insured throughout the process by India's largest public sector general insurance company.

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Most loved Gold Loan App on Playstore
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4.6

17,000+ Reviews

5

4

3

2

1

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Madhab Sahoo

(16/5/2025)

Good experience overall. Proper explanation while getting loan, professional executives. Still I was doubtful based upon few reviews but did not experience any such thing. Got proper release, everything was smooth

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Samad Khan

(16/5/2025)

This app Rupeek has changed my perception of gold loans. This was the first time ever I got a gold loan and am so grateful for the experience. I downloaded the app and someone got in touch with me for the process. This was an easy experience.

Appointments at your Convenience
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Why Choose Rupeek?

Get Gold loans at low interest rates with 100% safety

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Hassle Free Online Repayments

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Part Release & Full Release of gold at your fingertips

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High Loan Amount for your Gold

Frequently Asked Questions

How Can we help you today!

General Questions

General Questions

Applying for a loan with Rupeek

Applying for a loan with Rupeek

Payment related queries

Payment related queries

Others

Others

General questions

What is a gold loan?

A gold loan is a loan in which the borrower offers a certain amount of gold against a loan amount (called loan-to-value or LTV) for a certain period of time. This works like a normal secured loan in which the gold acts as collateral or asset.

How does gold loan work?

To take out a loan against gold, you must pledge your gold ornaments to the lender. This gold is valued first, and then a loan amount against the pledged gold is fixed. A self-evaluation can also be done with a gold loan calculator online. Once the loan is disbursed, the borrower will have to complete the repayments within the loan tenure, after which, the collateral is returned to the borrower.

What are the benefits of a gold loan?

A gold loan offers many benefits when compared to other types of loans. Gold loan benefits include faster processing time, higher loan to value ratio, lower interest rates, the convenience of availability of the collateral, faster loan disbursal, and relaxed eligibility criteria. Based on the lender, you may also enjoy other benefits like a waiver on the processing fee and insurance cover.

What purposes can I request a gold loan for?

You can use the online gold loan amount to suit any business or personal need that does not entail illegal activities, money laundering, terrorism or any other activity prohibited by law.

How are gold loans different from other loans like personal or credit card loan?

A gold loan offers better benefits than a personal loan or credit card loan. For example, gold loans have much lower interest rates and are not as heavy on document work. In fact, gold loans require minimal document work with only KYC needed. Moreover, gold loans do not require a credit score or history and have the highest loan-to-value ratio (LTV). Loans amounts are also disbursed much faster, usually within a few hours, making it a great option for those in need of an emergency loan.

What are the things to keep in mind when taking a gold loan?

When taking a gold loan, a borrower should consider the following points before choosing a lender:</br></br>

  • Loan-to-Value (LTV): The loan amount being sanctioned for the gold can vary between lenders. A borrower should ensure they are receiving the highest LTV amount for their gold. </br>
  • Interest rate: This rate determines how much a borrower will pay for the loan, so the lower, the better. </br>
  • Gold security: Without an insurance cover or secure transport of the collateral, there may be certain risks to consider which can result in major losses. </br>
  • Additional fees and charges: These can increase a loan amount immensely, so it’s important to look out for a lender that charges the minimum amount for services being provided. </br>
  • Repayment schemes: A borrower needs to be able to repay the loan amount based on their monthly budget and financial standing to avoid defaults. Borrowers should look for flexible repayment plans to ensure this is made possible.</br>

Is a CIBIL score required for a gold loan?

No, a CIBIL score is not required when availing a gold loan. The eligibility criteria for a gold loan does not include a credit score or credit check of any sorts - only the KYC documents required for gold loan should be submitted.

What are the documents that I need to submit?

A gold loan only requires you to submit KYC documents for verification before the loan can be processed and disbursed. This includes ID proof and address proof, which can be a driver’s license, Aadhar card, voter ID, PAN card, or passport. Along with this, a utility bill or lease agreement must be provided.

What are the KYC documents required for a gold loan?

For your gold loan application, we will require the following KYC gold loan documents:

  • ID proof (any 1 of the following): Aadhaar Card, PAN Card, Voter ID, Passport, Driving License
  • Address proof (any 1 of the following): Aadhaar Card, Voter ID, Passport, Driving License
  • Utility Bill / Lease Agreement of local address (Phone / Gas / Electricity / Water / Broadband etc) supported by any 1 of the above.

How is the interest rate calculated for gold loans?

The gold loan interest is calculated differently and is set by the lender. This is why interest rates vary across gold loan lending platforms. In order to know more about the gold loan interest rates, you can get in touch with the lender to understand their unique loan schemes.

How is the market value of gold determined?

Gold is a precious commodity, used commonly for trade internationally. The prices of gold are determined by the demand and supply, which varies over time. To know the gold loan rate today, you can check out our gold loan calculator page.

Is a gold loan taxable?

A gold loan is taxable if it is taken for business purposes. However, if the gold loan has been availed for personal use, a borrower cannot claim deduction.

How can I raise a complaint related to my loan?

You can reach us for any query/complaint or feedback at:


1800 419 8000
care@rupeek.com

What happens if I close my loans in the cooling off period?

Customers can close the loan during cooling off period after payment of accrued APR (Annual Percentage Rate) amount. To close the loan during the cooling off period, please contact our customer care centre at 1800 419 8000 or email to care@rupeek.com. The details of cooling off period and APR are mentioned on the key fact sheet (KFS) provided to customers during loan disbursal process.

How can I request for deletion of data collected as part of onboarding process?

Rupeek ensures that data is collected and stored in a secured environment. In case of data deletion request, please contact our customer care centre at 1800 419 8000 or email to care@rupeek.com.

Where can I see further information about Rupeek's lender partners?