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Check Interest rate, Processing Fee, Tenure, Documents 聽& Penalty Charges. Visit now for more.","topContent":[{"type":"header","data":{"text":"What is Gold Loans?","level":2}},{"type":"paragraph","data":{"text":"A secured loan, where gold jewellery is provided as collateral, is a gold loan. The loan amount that will be provided will depend on the value of the gold. Gold jewellery will need to be given to the lender when you avail the loan and will be returned only once the entire amount is repaid."}},{"type":"paragraph","data":{"text":"Several banks and Non-Banking Financial Companies (<a href=\"https:\/\/www.bankbazaar.com\/tax\/nbfc-non-banking-financial-company.html\" target=\"_blank\">NBFC<\/a>s) offer gold loans at attractive interest rates. Since collateral is being provided, loans can be availed at low interest rates."}}],"hungryForMore":[{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLBUTTON_85117&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLBUTTON_85117","linkText":"Check Your Credit Score Now"}},{"type":"paragraph","data":{"text":"Avail a gold loan from a bank in India with interest rates ranging between <strong>8.40% p.a. and 22% p.a. <\/strong>You can avail a loan amount of up to Rs.1.5 crore and repayment tenure starting at 3 months and going up to 4 years depending on the loan scheme availed by you. You can pledge your gold ornaments and jewellery for funds in the event of a financial emergency.  "}},{"type":"image","data":{"height":250,"width":300,"title":"Gold Loan","alt":"Gold Loan","src":"https:\/\/static.bankbazaar.com\/images\/india\/infographic\/gold-loan.webp","lazy":true,"float":"right"}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest Rate"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"<strong>8.40% p.a. onwards<\/strong> "}}]}]},{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Loan Amount"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"<strong>Up to Rs.1.5 crore<\/strong>"}}]}]},{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Loan Tenure"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"3 months onwards"},"type":"paragraph"}]}]},{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Processing Fee"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"<strong>0% - 2% of the loan amount + GST<\/strong>"}}]}]}]}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLBUTTON_85117&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLBUTTON_85117","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"Key Features of Gold Loan","level":2}},{"type":"list","data":{"style":"unordered","items":[{"content":"<strong>Purpose:<\/strong> You can avail a gold loan in order to finance various needs, such as for educational purposes, medical emergencies, going on a <a href=\"https:\/\/www.bankbazaar.com\/indian-holiday-calendar.html\" target=\"_blank\">holiday<\/a>, and so on.","items":[]},{"content":"<strong>Security:<\/strong> The gold that has been pledged with the bank or the financial institution acts as the security or collateral against which the loan amount is provided.","items":[]},{"content":"<strong>Tenure options:<\/strong> The tenure options can range from a minimum of 3 months to a maximum of 48 months.","items":[]},{"content":"<strong>Fees:<\/strong> The other fees and charges that might be applicable on a gold loan are - processing fee, late payment charges\/ penalty for non-payment of interest, valuation fees, etc.","items":[]},{"content":"<strong>Repayment Options:<\/strong> There are three main options offered by lenders to borrowers for the repayment of a gold loan. These are:","items":[]},{"content":"1.Repayment in Equated Monthly Installments (EMI)","items":[]},{"content":"2.Payment of interest upfront and repayment of the principal loan amount at the end of the loan tenure.","items":[]},{"content":"3.Payment of interest on a monthly basis and repayment of the principal loan amount at the end of the loan tenure.","items":[]},{"content":"<strong>Rebates:<\/strong> Several lenders offer the option of discount on the prevailing interest rate on the loan against gold if the borrower repays the interest regularly. This rebate can be 1% - 2% off on the original rate of interest.","items":[]}]}},{"type":"header","data":{"text":"Eligibility Criteria for a Gold Loan","level":2}},{"type":"paragraph","data":{"text":"If you wish to avail a loan against your gold jewellery or ornaments, you should ensure that you meet the Penal charge of <strong>2% p.m.<\/strong> applicable eligibility criteria specified by the lender. Keep in mind that the eligibility criteria will vary from lender to lender. "}},{"type":"paragraph","data":{"text":"Thus, it is advisable to check the eligibility criteria that is specified on the lender's website before applying for a gold loan. Listed below are the generalised eligibility criteria:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"<strong>Age of the applicant <\/strong>- 18 years and above","items":[]},{"content":"<strong>Security to be pledged<\/strong> - Gold ornaments or articles","items":[]},{"content":"<strong>Total carats of gold that can be pledged<\/strong> - 18 carats or above","items":[]},{"content":"<strong>Other criteria<\/strong> - Applicant must be creditworthy","items":[]}]}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLBUTTON_85117&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLBUTTON_85117","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"How to Apply for a Gold Loan?","level":2}},{"type":"paragraph","data":{"text":"<strong>Step 1:<\/strong> You may be able to apply for a gold loan through online or offline channels. To apply online, you will need to visit the lender's website and click on the loan product that you wish to apply for, which in this case would be 'Gold Loan'. Next, you will need to click on 'Apply Now', if this option is available on the website. Post this, you will have to enter the required details into the online application form and submit the form online."}},{"type":"paragraph","data":{"text":"<strong>Step 2:<\/strong> If there is no option to apply for the loan through the lender's website, you will need to visit the nearest branch of the lender. Many lenders give customers the option of locating the nearest branch through their official website. Make sure to carry a copy of the required documents with you."}},{"type":"paragraph","data":{"text":"<strong>Step 3:<\/strong> Once you submit the application form, the lender will verify your application. If the application gets approved, you will receive the loan amount."}},{"type":"paragraph","data":{"text":"<strong>Step 4:<\/strong> A gold loan is a quick and easy way to get funds in the event of a financial emergency. Ensure that you do the required research and avail a gold loan that is suitable for your requirements and repayment capacity."}},{"type":"header","data":{"text":"What are the Documents Required for a Gold Loan?","level":2}},{"type":"paragraph","data":{"text":"Generally, the following documents have to be provided by the borrower in order to avail the gold loan:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Duly-filled application form","items":[]},{"content":"Passport sized photographs","items":[]},{"content":"Identity proof","items":[]},{"content":"Address Proof","items":[]},{"content":"Signature Proof","items":[]},{"content":"Form 60 or PAN card","items":[]},{"content":"Proof of age","items":[]},{"content":"Post-loan disbursement documents, if any.","items":[]}]}},{"type":"header","data":{"text":"Compare Gold Loan by Top Banks in India","level":2}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Gold Loan Providers"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"Interest Rate"},"type":"paragraph"}]},{"highlight":true,"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Loan Amount \/ Tenure"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Manappuram Gold Loan"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"9.90% p.a. onwards"}}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Rs.1000 with no maximum limit \/ 6 months to 12 months"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"SBI Gold Loan"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"9.00% p.a. - 10.25% p.a."}}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Rs.20,000 to Rs.50 lakh \/ Up to 36 months"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"HDFC Gold Loan"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"11% p.a. to 16% p.a."},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Rs.25,000 onwards (Rs.10,000 for rural areas) \/ 6 months to 48 months"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Muthoot Gold Loan"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"10.50% p.a. onwards to 22% p.a. "}}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Rs.1,500 with no maximum limit \/ 12 months onwards"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Axis Gold Loan"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"17% p.a. onwards "},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Rs.25,001 to Rs.40 lakh \/ 6 months to 36 months"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Canara Gold Loan"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"9.00% p.a."},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Rs.5,000 to Rs.35 lakh \/ 12 months - 24 months"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"BOB Gold Loan"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"9.15% p.a. onwards "},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Up to Rs.50 lakh \/ 12 months to 36 months"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Karnataka Bank Gold Loan"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"10.68% p.a. onwards"}}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"At the discretion of the bank Up to Rs.25 lakh per account \/ 6 months to 12 months"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"PNB Gold Loan"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"9.00% p.a. onwards "}}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Rs.25,000 to Rs.25 lakh \/ As per the lender's terms and conditions"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"India Infoline (IIFL)"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"11.88%p.a.- 27% p.a. "},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"At the discretion of the bank \/ At the discretion of the bank"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Kotak Gold Loan"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"9% p.a. to 24% p.a. "},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Rs.20,000 - Rs.1.5 crore \/ Up to 4 years"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Federal Gold Loan"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Up to 25% p.a. "},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Rs.1,000 - Rs.1 crore \/ Up to 4 years"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Central Bank of India"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"8.40% p.a. to 9.50% p.a."}}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Rs.10,000 - Rs.40 lakh \/ Up to 5 years"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Indian Bank Gold Loan"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"8.80% p.a. to 10.40% p.a."}}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Up to Rs.35 lakh \/ Up to 12 months"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"IDBI Bank Gold Loan"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"At the discretion of the bank"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Rs.10,000 \u2013 Rs.50 lakh \/ 3 months \u2013 36 months"}}]}]},{"cols":[{"rowspan":1,"colspan":1,"content":[{"data":{"text":"IndusInd Bank Gold Loan"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"10.35% p.a. - 17.05% p.a."}}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Up to Rs.20 Lakh \/ Up to 12 months"}}]}]}]}},{"type":"paragraph","data":{"text":"<strong>Note:<\/strong> For certain loans, the interest rate has been calculated by taking the lender's MCLR, as on 14 March 2019, into account."}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLBUTTON_85117&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLBUTTON_85117","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"Manappuram Gold Loan","level":3}},{"type":"paragraph","data":{"text":"<a href=\"\/personal-loan\/manappuram-gold-loan.html\" target=\"_blank\">Manappuram Gold Loan<\/a> offers a host of gold loan schemes depending on your needs and financial capability."}},{"type":"paragraph","data":{"text":"<strong>Benefits\/Key Highlights:<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"You can avail gold loans from a wide variety of schemes.","items":[]},{"content":"You can avail higher loan amount depending on the purity and net weight of the gold pledged.","items":[]},{"content":"The borrower is not required to have a guarantor to avail this loan.","items":[]}]}},{"type":"header","data":{"text":"SBI Bank Gold Loan","level":3}},{"type":"paragraph","data":{"text":"SBI offers two types of gold loan - <a href=\"\/personal-loan\/sbi-gold-loan.html\" target=\"_blank\">SBI Gold Loan<\/a> and SBI Realty Gold Loan which you can use as per your requirements. You can apply for this gold loan both online and offline."}},{"type":"paragraph","data":{"text":"<strong>Benefits\/Key Highlights:<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The lender offers two types of gold loans - Gold Loan, and Realty Gold Loan.","items":[]},{"content":"The repayment tenures for Gold Loan and Liquid Gold Loan are up to 36 months.","items":[]},{"content":"Individuals over the age of 18 years can apply for a gold loan from SBI.","items":[]},{"content":"Joint Loan Facility: Gold loans from SBI can be availed by individuals on a single or joint basis.","items":[]}]}},{"type":"paragraph","data":{"text":"Penalties\/Internal Charges: Applicant will have to pay the applicable gold appraiser charges."}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLBUTTON_85117&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLBUTTON_85117","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"HDFC bank Gold Loan","level":3}},{"type":"paragraph","data":{"text":"You can avail a <a href=\"\/personal-loan\/hdfc-gold-loan.html\" target=\"_blank\">HDFC gold loan<\/a> at attractive interest rates. The disbursal of the amount is quick and offers benefits such as overdraft facility."}},{"type":"paragraph","data":{"text":"<strong>Benefits\/Key Highlights:<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Processing fee of 1% charged on the loan amount availed.","items":[]},{"content":"Applicants have to submit minimal documents when applying for the loan.","items":[]},{"content":"Loan processing and approval turnaround is extremely fast.","items":[]},{"content":"OD, Term Loan, and Bullet repayment method available.","items":[]}]}},{"type":"paragraph","data":{"text":"<strong>Penalties\/Internal Charges:<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"A valuation fee of Rs.250 for loans up to Rs.1.5 lakh and Rs.575 for loans over Rs.1.5 lakh will have to be paid.","items":[]},{"content":"Foreclosure charges of 1% plus GST will have to be paid.","items":[]},{"content":"Stamp duty charges and statutory charges will have to be paid.","items":[]},{"content":"A renewal processing fee of Rs.350 plus GST is applicable.","items":[]}]}},{"type":"header","data":{"text":"Muthoot Finance Gold Loan","level":3}},{"type":"paragraph","data":{"text":"Muthoot Finance offers you a host of <a href=\"\/personal-loan\/muthoot-gold-loan.html\" target=\"_blank\">muthoot gold loan<\/a> schemes which you can choose as per your financial requirements."}},{"type":"paragraph","data":{"text":"<strong>Benefits\/Key Highlights:<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"In house gold evaluation.","items":[]},{"content":"Online application process.","items":[]},{"content":"Special loan schemes for women.","items":[]}]}},{"type":"paragraph","data":{"text":"<strong>Penalties\/Internal Charges:<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Service charge applicable as per the gold loan scheme availed.","items":[]}]}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLBUTTON_85117&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLBUTTON_85117","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"Axis bank Gold Loan","level":3}},{"type":"paragraph","data":{"text":"You can apply for <a href=\"\/personal-loan\/axis-bank-gold-loan.html\" target=\"_blank\">Axis Bank gold loan<\/a>. Your gold will be kept safely and the loan amount will be disbursed quickly. You can apply for a gold loan from Axis Bank online."}},{"type":"paragraph","data":{"text":"<strong>Benefits\/Key Highlights<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The gold that is pledged by a borrower is kept in Axis Bank's bank vaults.","items":[]},{"content":"The loan amount is disbursed on the same day that the application is made.","items":[]},{"content":"Customers can avail this gold loan from Axis Bank by pledging their gold coins and gold ornaments.","items":[]}]}},{"type":"paragraph","data":{"text":"<strong>Penalties\/Internal Charges:<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"A valuation fee of Rs.500 is charged.","items":[]},{"content":"A penal interest of 2% will be charged on a monthly basis on the overdue loan amount.","items":[]},{"content":"Processing fee of 0.50% of the loan amount charged.","items":[]}]}},{"type":"header","data":{"text":"Canara Bank Gold Loan","level":3}},{"type":"paragraph","data":{"text":"You can apply for a <a href=\"\/personal-loan\/canara-bank-gold-loan.html\" target=\"_blank\">Canara Bank gold loan<\/a> online with minimum paperwork."}},{"type":"paragraph","data":{"text":"Benefits\/Key Highlights"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The loan amount is disbursed in a timely manner by the lender.","items":[]},{"content":"No guarantee is required to avail this loan.","items":[]},{"content":"The application process is hassle-free.","items":[]}]}},{"type":"paragraph","data":{"text":"<strong>Penalties\/Internal Charges:<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Borrowers will have to pay for the applicable jewel appraising charges.","items":[]},{"content":"Processing fee of 0.50% of the loan amount charged.","items":[]}]}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLBUTTON_85117&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLBUTTON_85117","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"Bank of Baroda Gold Loan","level":3}},{"type":"paragraph","data":{"text":"The type of facilities available under <a href=\"\/personal-loan\/bank-of-baroda-gold-loan.html\" target=\"_blank\">BoB Gold Loan<\/a> are EMI, overdraft, and demand loan. The application process is easy and the repayment can be done on a monthly basis."}},{"type":"paragraph","data":{"text":"<strong>Benefits\/Key Highlights:<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Any individual who owns gold jewellery, gold coins, or ornaments can avail this loan.","items":[]},{"content":"You can avail a gold loan from Bank of Baroda if you are aged 18 years and above.","items":[]},{"content":"Minimal documentation required.","items":[]}]}},{"type":"header","data":{"text":"Karnataka Bank Gold Loan","level":3}},{"type":"paragraph","data":{"text":"You can avail <a href=\"\/personal-loan\/karnataka-bank-gold-loan.html\" target=\"_blank\">Karnataka Bank gold loan<\/a> not only to meet your personal needs but also your agricultural needs too if you are a farmer."}},{"type":"paragraph","data":{"text":"<strong>Benefits\/Key Highlights<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"This gold loan can be availed by pledging your gold ornaments.","items":[]},{"content":"Loans are sanctioned quickly.","items":[]},{"content":"The application process is extremely simple.","items":[]}]}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLBUTTON_85117&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLBUTTON_85117","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"PNB Gold Loan","level":3}},{"type":"paragraph","data":{"text":"You can apply for a <a href=\"\/personal-loan\/pnb-gold-loan.html\" target=\"_blank\">PNB gold loan<\/a> to meet both your agriculture and non-agriculture needs."}},{"type":"paragraph","data":{"text":"<strong>Benefits\/Key Highlights<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"No prepayment charges.","items":[]},{"content":"The lender offers a convenient application process.","items":[]},{"content":"Only 22-carat gold is accepted by the lender as security for this loan.","items":[]}]}},{"type":"paragraph","data":{"text":"<strong>Penalties\/Internal Charges:<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Documentation charges have been waived off for gold loans by the bank till 31 December 2021.","items":[]}]}},{"type":"header","data":{"text":"IIFL Gold Loan","level":3}},{"type":"paragraph","data":{"text":"Choose the <a href=\"\/personal-loan\/iifl-gold-loan.html\" target=\"_blank\">IIFL gold loan<\/a> to meet your financial needs."}},{"type":"paragraph","data":{"text":"<strong>Benefits\/Key Highlights<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Get your gold loan approved in 5 minutes and disbursed in 30 minutes.","items":[]},{"content":"IIFL offers customised gold loan schemes as per your requirements.","items":[]},{"content":"Flexible repayment options available.","items":[]}]}},{"type":"paragraph","data":{"text":"<strong>Penalties\/Internal Charges:<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"MTM charges of Rs.500 are levied.","items":[]}]}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLBUTTON_85117&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLBUTTON_85117","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"Kotak Mahindra Gold Loan","level":3}},{"type":"paragraph","data":{"text":"Offer gold ornament 18 karat and above to avail instant gold loan from Kotak Mahindra Bank. You can apply for this <a href=\"\/personal-loan\/kotak-mahindra-gold-loan.html\" target=\"_blank\">Kotak gold loan<\/a> online as well."}},{"type":"paragraph","data":{"text":"<strong>Benefits\/Key Highlights<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Your gold is kept in a safe and secured environment.","items":[]},{"content":"Minimal documentation required.","items":[]},{"content":"Avail gold loan on an instant basis.","items":[]},{"content":"Processing fee of 2% of the loan amount chargeable.","items":[]}]}},{"type":"paragraph","data":{"text":"<strong>Penalties\/Internal Charges:<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The applicable stamping charges will have to be paid by the borrower.","items":[]},{"content":"Credit appraisal charges will be levied by the lender. This is subject to a minimum charge of Rs.350 and a maximum of Rs.1,000.","items":[]},{"content":"Commitment charges of Rs.1,250 per quarter or 0.5% per quarter may be applicable.","items":[]},{"content":"If the loan amount is overdue, a 3% interest on the due amount will be charged.","items":[]},{"content":"A collection fee may be charged, subject to a maximum of 30% of the overdue sum.","items":[]},{"content":"Dishonour charges of Rs.750 will be levied per instance.","items":[]},{"content":"Swap charges of Rs.500 per instance may be charged.","items":[]},{"content":"If a <a href=\"\/govt-utility\/no-due-certificate.html\" target=\"_blank\">no due certificate<\/a> is required, a maximum fee of up to Rs.50 may be levied.","items":[]}]}},{"type":"header","data":{"text":"Federal Bank Gold Loan","level":3}},{"type":"paragraph","data":{"text":"Avail a <a href=\"\/personal-loan\/federal-bank-gold-loan.html\" target=\"_blank\">Federal Bank gold loan<\/a> to meet not only your personal but also your agricultural or business needs."}},{"type":"paragraph","data":{"text":"<strong>Benefits\/Key Highlights<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Gold ornaments that have a purity of 22 carats can be pledged.","items":[]},{"content":"Loans are sanctioned instantly.","items":[]},{"content":"There are no hidden charges.","items":[]}]}},{"type":"header","data":{"text":"Central Bank Gold Loan","level":3}},{"type":"paragraph","data":{"text":"You can avail a <a href=\"\/personal-loan\/central-bank-of-india-gold-loan.html\" target=\"_blank\">Central Bank gold loan<\/a> to meet your immediate personal needs."}},{"type":"paragraph","data":{"text":"<strong>Benefits\/Key Highlights<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The application process is hassle-free.","items":[]},{"content":"Only 22-carat gold is accepted by the bank.","items":[]},{"content":"Repayment tenure not to exceed 12 months from the date on which loan was sanctioned.","items":[]},{"content":"Processing fee of 0.75% of the loan amount subject to a minimum of Rs.500 and maximum of Rs.10,000 chargeable.","items":[]}]}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLBUTTON_85117&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLBUTTON_85117","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"Indian Bank Gold Loan","level":3}},{"type":"paragraph","data":{"text":"Avail a <a href=\"\/personal-loan\/indian-bank-gold-loan.html\" target=\"_blank\">Indian bank gold loan<\/a> to meet your agricultural needs."}},{"type":"paragraph","data":{"text":"<strong>Benefits\/Key Highlights<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The loan process is easy and hassle-free.","items":[]},{"content":"Interest rate starts at 7% p.a.","items":[]},{"content":"No hidden charges.","items":[]}]}},{"type":"header","data":{"text":"IDBI Bank Gold Loan","level":3}},{"type":"paragraph","data":{"text":"Avail yourself of a <a href=\"\/personal-loan\/idbi-gold-loan.html\" target=\"_blank\">IDBI Bank gold loan<\/a> to meet your personal expenses."}},{"type":"paragraph","data":{"text":"<strong>Benefits\/Key Highlights<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The loan process is easy and hassle-free.","items":[]},{"content":"No hidden charges.","items":[]}]}},{"type":"header","data":{"text":"IndusInd Bank Gold Loan","level":3}},{"type":"paragraph","data":{"text":"Avail a <a href=\"\/personal-loan\/indusind-bank-gold-loan.html\" target=\"_blank\">IndusInd Bank gold loan<\/a> to meet your personal expenses."}},{"type":"paragraph","data":{"text":"<strong>Benefits\/Key Highlights<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The loan process is easy and hassle-free.","items":[]},{"content":"Minimum documentation process.","items":[]},{"content":"Instant disbursal.","items":[]}]}},{"type":"paragraph","data":{"text":"<strong>Penalties\/Internal Charges:<\/strong>"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Processing fee: 0.5% of the loan amount.","items":[]},{"content":"Valuation fee: Rs.500 for a loan amount of up to Rs.2 lakh, and Rs.750 for loan amounts above Rs.2 lakh.","items":[]},{"content":"Penal charge of 2% p.m. applicable.","items":[]}]}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLBUTTON_85117&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLBUTTON_85117","linkText":"Check Your Credit Score Now"}},{"type":"header","data":{"text":"Important things to consider when taking a Gold Loan","level":2}},{"type":"paragraph","data":{"text":"Listed below are a few things that you should take into consideration before applying for a gold loan in order to ensure that you have a good borrowing experience:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"<strong>Loan Amount:<\/strong> When you avail a gold loan, the loan amount that you receive will be based on the value of the gold that you pledge. Lenders may have also specified a minimum and maximum loan amount.Thus, if you need to avail a particular loan amount, you should make sure that you have the required gold and ensure that it falls within the limits specified by the lender.","items":[]},{"content":"<strong>Rate of Interest:<\/strong> When compared to an unsecured loan, the interest rate charged for a gold loan is less since the borrower will have to provide collateral. That said, the interest rate charged will vary from lender to lender, and it is in your best interest to compare the interest rates charged by different lenders.","items":[]},{"content":"<strong>Applicable Charges:<\/strong> In addition to the interest rate, lenders may levy a number of other charges such as the processing fee, documentation fee, appraiser fee, payment default fee, loan overdue fee, etc. These charges, cumulatively, can increase the total cost of the loan. Thus, ensure that you take the charges levied by the lender into account before applying for a gold loan.","items":[]},{"content":"<strong>Tenure of the Loan:<\/strong> The repayment tenure for gold loans can range between 3 months and 48 months. Therefore, you should make sure to take your repayment ability into consideration and opt for a gold loan with a suitable loan tenure.","items":[]},{"content":"<strong>Credibility of the Lender:<\/strong> There are a number of banks and financial institutions that offer gold loans as part of their product portfolio. Before submitting an application to a particular lender, make sure that you check how credible the lender is.You should, thus, check the safety measures that are undertaken by the lender to keep your assets safe, online reviews, customer service channels offered, etc.","items":[]},{"content":"<strong>Repayment Schedule:<\/strong> The repayment schedule for gold loans is quite flexible. Based on the lender that you choose, you may be able to make repayments in the form of EMIs, pay the principal and the interest at the end of the policy term, or pay the interest on a monthly basis and pay the principal at the completion of the policy term.Therefore, you should consider which repayment structure suits you best and choose the lender accordingly.","items":[]},{"content":"<strong>Comparison of Loans:<\/strong> It is highly recommended that you compare the features, benefits, and terms and conditions of the gold loans offered by different lenders before applying for a loan.","items":[]},{"content":"<strong>Eligibility Criteria:<\/strong> To increase the chances of your loan application getting approved, you should check the lender's eligibility criteria before applying for the loan.","items":[]}]}},{"type":"header","data":{"text":"Benefits of taking a Gold Loan","level":2}},{"type":"paragraph","data":{"text":"Some of the main benefits of availing a gold loan are mentioned below:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The loan is disbursed fast.","items":[]},{"content":"Minimal documents will need to be submitted.","items":[]},{"content":"In certain cases, prepayment charges will not be levied.","items":[]},{"content":"Gold loans can be availed at low interest rates.","items":[]}]}},{"type":"cta","data":{"link":"https:\/\/www.bankbazaar.com\/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_PLFAQBUTTON_85117&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_PLFAQBUTTON_85117","linkText":"Check Your Credit Score for FREE"}}],"metaTitle":"Gold Loan - Compare and Check How to Apply Online","hideUserReviews":true,"id":85117,"ogImage":{"src":"https:\/\/static.bankbazaar.com\/images\/india\/infographic\/gold-loan.webp","lazy":true,"width":300,"height":250},"hideOfferTable":true,"breadCrumb":{"currentPageText":"Gold Loan"},"faqs":{"items":[{"answer":[{"data":{"text":"A gold loan is a method of availing finance\/loan against your gold ornaments or jewellery such as bangles, necklaces, bracelets, earrings, pendants, watches, gold coins, etc."},"type":"paragraph"}],"question":"What is a gold loan?"},{"answer":[{"data":{"text":"Any Indian citizen can avail a gold loan from banks or non-banking financial institutions (NBFCs) and generally the age criteria ranges from a minimum of 18 years to a maximum of 75 years. This might vary from lender to lender."},"type":"paragraph"}],"question":"Who can avail a gold loan?"},{"answer":[{"data":{"text":"You can either directly walk into a branch to make a cash payment or pay online using the company's web portal. Based on the lender's terms and conditions, you may be able to make the payment with your debit card, credit card, etc. Kindly contact your lender for more information on the same."},"type":"paragraph"}],"question":"What are the modes for repayment of gold loans?"},{"answer":[{"data":{"text":"Factors such as rate of gold on the particular date, purity of the gold used to make the jewellery, etc. affect the loan amount that you will receive against the gold ornaments pledged with the lender."},"type":"paragraph"}],"question":"What factors affect the loan amount received against the gold ornaments pledged with the lender?"},{"answer":[{"data":{"text":"Lenders usually verify and approve gold loan applications in a timely manner. Once your application is approved, you will receive the loan amount. The disbursal time may vary from a few minutes to up to 48 hours, in most cases."},"type":"paragraph"}],"question":"How long will it take for me to receive the loan amount?"},{"answer":[{"data":{"text":"No, there are no tax benefits under the gold loan scheme. However, in case the funds are used for the improvement of your home, business expense, or to buy or construct a residential property, tax benefits can be claimed."},"type":"paragraph"}],"question":"Can tax benefits be availed in case I opt for a gold loan?"},{"answer":[{"data":{"text":"Most lenders store pledged assets in a strong room that has electronic surveillance technology. Also, lenders may insure the gold ornaments or assets for their total value. That said, given the nature and value of the assets, it is best to do your research with regard to the measures that are taken by the lender to safeguard your jewellery and assets."},"type":"paragraph"}],"question":"Is it safe to pledge my gold ornaments? What measures does the lender take to ascertain the safety of my assets?"},{"answer":[{"data":{"text":"This will vary based on the lender's terms and conditions. Certain lenders may allow you to pre-pay the loan amount at any time, without having to pay a fee for the same. In some cases, certain financial institutions and banks will require you to pay a certain fee if you want to pre-pay the loan amount."},"type":"paragraph"}],"question":"Can I pre-pay the loan amount?"},{"answer":[{"data":{"text":"Since a gold loan is a personal loan, gold loans may impact your credit score."},"type":"paragraph"}],"question":"Can a gold loan affect my CIBIL score?"},{"answer":[{"data":{"text":"If you don't repay the loan amount within the due date, the lender will levy a penalty on the overdue loan amount. If you do not repay the loan amount even after multiple reminders, the lender may auction your gold ornaments to recover the amount that is due."},"type":"paragraph"}],"question":"What will happen if I am unable to repay the loan amount?"},{"answer":[{"data":{"text":"Most lenders will allow you to avail a gold loan even if you are not an existing customer, provided that you have a good credit score. In certain cases, the lender may require an existing customer to introduce you before you apply for the loan."},"type":"paragraph"}],"question":"Do I have to be an existing customer of a bank\/financial institution to avail a gold loan?"},{"answer":[{"data":{"text":"Most lenders have an eligibility calculator on their respective websites, which you can use to know how much you are eligible to borrow. The amount that you will be allowed to borrow will be based on the value of your ornaments or jewellery."},"type":"paragraph"}],"question":"How do I check how much I am eligible to borrow?"},{"answer":[{"data":{"text":"Most lenders who offer gold loans do not require prospective applicants to have a guarantor. 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