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Low Interest Gold Loans in India

Get a New Gold Loan
flashInstant 30 minuntes
Shift your Existing Gold Loan
saveSave ₹37,131*

Low Interest Loans

Get a New Gold Loan
flash Instant 30 minuntes
Shift your Existing Gold Loan
save Save ₹37,131*

Gold secured by
Trusted Bank Partners

lender banks
max LTV

We offer the highest per gram rate on our gold loans.

We offer the highest per gram rate on our gold loans.

Today’s max loan value/gm (): *

Today’s max loan value/gm: ()
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Gold secured by
Trusted Bank Partners

lender banks

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Benefits of an online gold loan

An online gold loan offers unparalleled benefits. To avail a gold loan, you need to register yourself as a borrower and mortgage your gold ornaments. The best feature of an online gold loan is that the entire process of the loan application and approval takes place online. Hence, the location of the borrower does not matter. Usually, the lender sends a loan officer to the borrower within half an hour of getting the loan request, who verifies the gold, and gives a quote. On successful verification and subsequent approval, the lender then sends the amount directly to the bank account of the borrower. With an online gold loan, a borrower can get up to 75% of the gold's average market value. As it is a secured loan, the rate of interest is lower than many other types of instant loans. Additionally, a borrower can apply for a gold loan only with the Aadhaar Card.

Documents required for an online gold loan

When a borrower needs urgent cash, an online gold loan acts as a blessing. With an online gold loan, you can get up to 75% of the gold's average value as the loan, instantly. Before approving the loan, the lender might ask you to submit a few documents, which the lender uses to determine your eligibility. The first document that you need to submit is an identity proof, like voter ID, PAN Card, Aadhaar Card, Passport, or driving license. The second document you need to submit is an address proof. Except for the PAN and Voter ID, all other documents mentioned above function as the address proof. Many reputed lenders also offer the facility to apply for a gold loan only with the Aadhaar Card. As the Aadhaar card contains all your personal details, like name, date of birth, father's/mother's name, address, and biometric information and iris scan, it functions as both the identity proof as well as the address proof.

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Frequently Asked Questions

Are banks or NBFCs better for availing gold loan

If you are looking for a gold loan in cityname but find yourself confused about the source from where to procure the funds, it is important to understand the pros and cons of each source. Since there are many lending institutions today that supply funds both offline and online, they all have their specific list of advantages and disadvantages. While banks and NBFCs look like the obvious choices, the borrower has to evaluate both of the sources with respect to their financial status. Banks usually take a longer time to process the loan, to verify the CIBIL score and they also offer lower LTV and have a strict EMI model. On the other hand, although NBFCs offer higher Loan to Value ratio, they charge higher interest rates. 

What about the tenure of the loan, lock-in period, and prepayment penalties?

The components of a loan always vary from one lender to another. There is no standard method in which your gold is valued, the loan amount you are eligible to receive, the gold gram rate, and loan interest. As a rational borrower, you are required to conduct due research before availing an online gold loan as there are a lot of red flags you might overlook. Even minute factors like overhead charges can increase the cost of your loans. The processing fees for your gold loans can vary from one lender to another and range between 0.20% and 2% of the loan amount. The processing fee at Rupeek is at the lower end of the spectrum and is in fact, one of the lowest in the market.

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