Gold Loan
Unlock instant funds with your gold as security — disbursed within hours. Compare offers from our RBI-regulated bank & NBFC partners — free, with a dedicated advisor.
What is a Gold Loan?
A gold loan lets you borrow against your gold jewellery or coins, with the gold held securely by the lender as collateral until repayment. It’s one of the fastest, most accessible loans available — minimal documentation, no income proof required, and same-day disbursal at most partner branches, since approval depends on the gold’s value rather than your credit history.
LTV / collateral: Up to 85% — RBI tiered LTV cap: 85% up to ₹2.5 lakh, 80% for ₹2.5–5 lakh, 75% above ₹5 lakh.
Why take it through Kredistar
- Fast disbursement within hours through our lender network
- Loan-to-value within RBI’s tiered caps (up to 85% for small-ticket loans)
- Minimal documentation — no income proof required in most cases
- Choice of bullet repayment, EMI, or interest-only options
- One application compared across our bank & NBFC panel — zero fee to you
Types of Gold Loan
Lump sum against gold value, repaid via regular EMI.
Pay only interest during the tenure, principal at the end — useful for short-term cash needs.
Draw funds as needed up to a sanctioned limit, paying interest only on what you use.
Gold loans for farmers, often at subsidised rates under priority-sector lending.
Eligibility
- Any Indian resident aged 18 or above
- Gold ornaments of 18–24 karat purity
- Valid KYC documents
- No minimum income requirement
Documents
- PAN card or Form 60
- Aadhaar card or any government photo ID
- Gold ornaments for appraisal
- Passport-size photograph
Do’s
- Get your gold appraised through a transparent, listed purity/weight process
- Ask for the exact per-gram rate being applied before agreeing
- Keep the loan receipt and gold appraisal certificate safe
- Repay or renew before the tenure ends to avoid auction risk
- Compare LTV and rates across lenders — gold loan pricing varies more than people expect
Don’ts
- Don’t ignore the loan tenure — unredeemed gold can be auctioned after default
- Don’t take a gold loan larger than you can comfortably service
- Don’t skip checking whether interest is daily, monthly, or slab-based
- Don’t lose your gold loan receipt — it’s needed to reclaim your jewellery
- Don’t assume every lender offers the same LTV — RBI sets the ceiling, not the floor
Estimate your Gold Loan EMI
Indicative calculation on a reducing-balance basis. Excludes processing fee, GST and other lender charges.
Gold Loan — common questions
Is my gold safe with the lender?
What happens if I can’t repay?
How is the loan amount calculated?
Can I get a gold loan without income proof?
How is interest charged?
Our banking & NBFC partners
Loans are sanctioned and disbursed by these RBI-regulated lenders. Kredistar is their sourcing partner (DSA) — compare them and apply in one place.
Indicative starting rates published by lenders (Oct 2026) — your rate depends on your profile. Names and logos are trademarks of their respective owners, shown only to identify our lending partners.
Other loans you can compare
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