Gold Loan
Gold loans across India
Highest LTV gold loans, often disbursed the same day
Compare gold loan offers from licensed gold-loan NBFCs and banks. Loan-to-value up to 75 percent of the gold's appraised value (the regulatory cap), same-day disbursal, doorstep service in select metros, transparent monthly interest rates from 9.99 percent. No income proof, no credit-score gating - the gold itself is the collateral.
What we cover
Every gold-loan use case
Standard gold loan
Pledge gold ornaments, get a lump-sum loan against them. Tenor 3-12 months typically, repaid as bullet repayment, EMI or interest-only with bullet principal.
Doorstep gold loan
Some lenders dispatch a verified appraiser to your home. The gold is appraised on the spot, sealed and transported in armoured van. The loan is disbursed within hours.
Top-up against existing pledge
If gold prices have risen since you took the original loan, the LTV gap creates capacity for a top-up. Same pledged gold, additional disbursal.
Overdraft against gold
Sanctioned limit you can draw and repay multiple times. Pay interest only on the drawn balance. Useful for short-term cash-flow management.
Auctions and grace periods
If repayment is delayed, gold is auctioned per RBI guidelines after due notice. Grace periods, partial-repayment options and renewal terms vary by lender. The offer card surfaces these so the comparison is real.
Purity and weight transparency
Every appraisal includes a purity test (touchstone, acid or carat measurement) and weight in grams. The certificate is shared with you alongside the loan agreement. The lender insures the pledged gold for the duration.
How it works
From pledge to disbursal in three steps
Bring the gold (or schedule doorstep)
Visit a branch with the gold ornaments and your KYC (PAN, Aadhaar). Or schedule a doorstep visit in select metros - a verified appraiser comes home.
Appraisal and KYC
The appraiser checks purity (Bureau of Indian Standards hallmark, touchstone test or acid test), weighs the ornaments, computes the appraised value at the day's gold rate. The LTV-applied loan amount is shown to you immediately.
Disbursal
Sanction is instant. Disbursal happens directly to your bank account or as a demand draft. Most cases close end-to-end in 30-90 minutes from the moment you walk into the branch.
Who it is for
Who borrows gold loans through us
Free for borrowers. Same-day disbursal possible.
The marketplace check is free and instant. Lenders pay Infyner only on disbursement. The interest rate and fees you see on the offer card are exactly what the lender charges you.
Trust and security
How gold loans on the marketplace work
Licensed lenders only
RBI-licensed gold-loan NBFCs and banks. No informal money-lenders, no pawnshops. The gold is insured for the loan duration.
LTV per RBI cap
Maximum LTV is 75 percent of appraised value, the RBI-regulated ceiling. Some lenders offer lower LTV (60-65 percent) at lower rates.
Transparent appraisal
Purity, weight, gross and net gold weight, value, the gold rate applied - all on the receipt. The pledged ornaments are sealed and serialised.
Fair auction process
If repayment fails after grace period, gold is auctioned per RBI guidelines with prior notice. The borrower receives any surplus from the auction proceeds.
FAQ
Common questions about gold loans
The appraiser determines the net gold weight (excluding stones, beads, locks) and the purity (typically expressed in carat - 22K, 18K, 14K). The gross gold value is calculated at the day's market rate of 22K gold (lenders may apply small adjustments for non-22K). The loan amount is up to 75 percent of that gross value, the RBI cap.
Per-annum rates range from 9.99 to 18 percent, with the cheapest rates from public-sector banks (typically 9.5-11 percent) and the highest from gold-loan NBFCs (12-18 percent). NBFCs charge more but offer faster disbursal, doorstep service and longer branch hours. Trade-offs.
Bullet repayment - pay interest at maturity along with the principal. EMI - regular monthly payments of interest plus principal. Interest-only - pay interest monthly with principal at maturity. Overdraft - pay interest on the drawn balance only. Each lender supports a subset; the offer card shows what's available.
Yes - several NBFCs offer this in metros and tier-1 cities. A verified appraiser comes home, the gold is appraised on the spot, sealed in tamper-evident packaging and transported under armed escort. Disbursal happens within hours. Service is usually free or has a small convenience fee.
Pledged gold is insured by the lender for the loan duration. It is stored in regulated vaults, sealed in tamper-evident packets, photographed and weighed at deposit. Most lenders allow you to inspect the packet during business hours, though seal-breaking requires clearing the loan first.
Just KYC - PAN, Aadhaar, address proof, photograph. No income proof, no salary slip, no IT return, no credit-score check (officially - though some lenders run a soft pull as policy). The gold is the collateral, and that is what the underwriting cares about.
The lender sends a 14-day notice. If you don't respond, a 7-day final notice follows. Then the gold is auctioned per RBI rules - typically through a public auction. The auction proceeds first cover the principal, interest and charges; any surplus is returned to you. RBI's rules require the lender to obtain a fair-market price.
Yes - all lenders allow prepayment. Most have no prepayment charge. Partial principal repayment reduces the outstanding and the interest accrues on the lower balance. Full prepayment closes the loan and the gold is released to you immediately.
The interest on a gold loan is exempt from GST. The processing fee (typically 0-1 percent of loan amount) attracts 18 percent GST. The valuation and storage are usually included in the processing fee.
Borrowers don't pay Infyner anything. The lender pays a small commission on disbursal. The interest rate, processing fee and any add-on charges shown on the offer card are paid to the lender directly.
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