Doorstep Appraisal & Pickup
Certified gemologists verify jewellery at your home with precision ultrasonic testing and weighing scales in front of your eyes.
Instant Gold Loan
Instant gold loans up to ₹50 Lakh at low rates with PaisaOne
Unlock maximum liquidity from your gold jewellery with zero branch visits. Enjoy doorstep hallmark valuation, RBI-mandated 75% LTV, and instant disbursal into your bank account within 30 minutes.
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Trusted by 25+ leading banks and RBI-registered NBFC gold partners
Trusted by 25+ leading banks and RBI-registered NBFC gold partnersHDFC BankICICI BankKotak Mahindra BankState Bank of IndiaIDFC FIRST BankHSBCFederal BankSouth Indian BankRBL Bank
Gold loan at a glance
Pledge your gold jewellery safely in bank vaults with 100% insurance. High per-gram value, minimal documentation, and flexible repayment.
Loan amount₹5,000 to ₹50 Lakh
Interest rateFrom 8.75% p.a. (0.73% p.m.)
Processing fee0% to 1.00%
Tenure3 to 36 months
Disbursal timeWithin 30 minutes*
₹2,800+ Cr
Gold collateral disbursed
25+
Top banking partners
30 Minutes
Average sanction timeline
4.9
Customer satisfaction rating
Compare Lenders
Find the best gold loan offers
Compare verified interest rates, per-gram appraisal, and tenure from India's leading banks and NBFCs.
Sort by:
LenderInterest rate (p.a.)Max amountMax tenureProcessing fee
8.75% – 9.60% p.a.
Up to ₹50 Lakhs
Up to 36 months
0.25% (Min ₹250)
9.05% – 10.15% p.a.
Up to ₹35 Lakhs
Up to 24 months
0.25% (Min ₹250)
9.15% – 10.25% p.a.
Up to ₹25 Lakhs
Up to 12 months
0.25% (Min ₹500)
9.25% – 10.50% p.a.
Up to ₹25 Lakhs
Up to 24 months
0.50% (Min ₹500)
9.50% – 16.00% p.a.
Up to ₹50 Lakhs
Up to 24 months
0.50% (Min ₹500)
9.75% – 15.50% p.a.
Up to ₹1 Cr
Up to 36 months
1.00% + GST
9.85% – 12.50% p.a.
Up to ₹1.5 Cr
Up to 24 months
₹0 Zero Fee
10.00% – 17.00% p.a.
Up to ₹50 Lakhs
Up to 36 months
0.50% – 1.00%
Max amountUp to ₹50 Lakhs
Tenure36 months
Fee0.25% (Min ₹250)
Max amountUp to ₹35 Lakhs
Tenure24 months
Fee0.25% (Min ₹250)
Max amountUp to ₹25 Lakhs
Tenure12 months
Fee0.25% (Min ₹500)
Max amountUp to ₹25 Lakhs
Tenure24 months
Fee0.50% (Min ₹500)
Max amountUp to ₹50 Lakhs
Tenure24 months
Fee0.50% (Min ₹500)
Max amountUp to ₹1 Cr
Tenure36 months
Fee1.00% + GST
Max amountUp to ₹1.5 Cr
Tenure24 months
Fee₹0 Zero Fee
Max amountUp to ₹50 Lakhs
Tenure36 months
Fee0.50% – 1.00%
Rates, amounts and fees are as published by lenders and verified. Your final sanction depends on gold hallmark appraisal under RBI 75% LTV regulations.
View all partner lendersCalculate your gold value & monthly EMI
Estimate your collateral market value, permissible borrowing limit under RBI 75% LTV, and monthly repayment schedule in seconds.
Verified rate: ₹6,830/gram
40 g
5 grams150 grams300 grams
Capped at RBI 75% LTV limit: ₹2,04,900
₹2,04,900₹5,000Max: ₹2,04,900
18 Months
3 mo18 mo36 mo
9.5% p.a.
8.5% (Min)13.0%18.0%
Loan Summary & Limits
Based on 40g of 22K gold collateral
Market Gold Value:₹2,73,200
Max Permissible Limit:75% RBI LTV Ceiling
₹2,04,900Monthly EMI:₹12,259
Total Interest:₹15,762
Total Amount Payable:₹2,20,662
RBI Directive: Gold loan sanctions cannot exceed 75% of net gold valuation. Gemstones weight is deducted prior to final disbursement.
What gold is accepted for collateral funding
Lending partners accept hallmarked gold jewellery and bank-minted gold coins with 100% insurance and tamper-proof vault security.
Accepted
Gold Jewellery
Necklaces, bangles, rings, chains, earrings, and pendants of 18 Karat to 24 Karat purity. Net weight of gold is appraised excluding stones.
- 18K, 20K, 22K, and 24K purity
- BIS Hallmarked & non-hallmarked jewellery
- Gemstones and enamel weight deducted accurately
Accepted
Gold Coins (Up to 50g)
Bank-minted gold coins up to 50 grams per customer are accepted under Reserve Bank of India lending directives.
- Minted by scheduled commercial banks
- Maximum 50 grams aggregate weight per customer
- 99.9% 24 Karat purity verified
Not Accepted
Primary Raw Bullion & Bars
Under strict RBI guidelines, raw bullion, gold bars, molten gold lumps, and jewellery below 18 Karat purity cannot be pledged.
- Raw bullion bars and biscuits
- Jewellery below 18 Karat purity
- Gold ETF units or digital gold tokens
Loan Purposes
Deploy instant gold capital for any milestone
Gold loans carry zero end-use restrictions. Put your idle household gold to work for urgent liquidity or planned goals.
Business Liquidity
Manage immediate working capital, pay vendor invoices, or stock inventory during peak festive demand without selling equity.
Medical Emergencies
Access funds within 30 minutes for urgent hospitalization, surgery, or critical treatments without waiting for insurance paperwork.
Agriculture & Farming
Procure seeds, fertilizers, machinery, and irrigation equipment with specialized low-interest agricultural gold loan schemes.
Education & Admissions
Meet semester tuition deadlines, admission deposits, or study materials for your children without breaking fixed deposits.
High-Cost Debt Payoff
Replace exorbitant credit card interest (36% – 42% p.a.) with a comfortable single-digit gold loan starting from 8.75% p.a.
Weddings & Celebrations
Fund wedding venue bookings, catering, and festive celebrations comfortably with flexible bullet or monthly repayment options.
Why PaisaOne
Why borrowers choose PaisaOne for Gold Loans
Highest Per-Gram Valuation
Get the maximum permissible borrowing limit under RBI 75% LTV regulations calculated against today's verified gold market benchmark.
100% Insured Bank Vaults
Your pledged gold is sealed in tamper-proof security bags and stored in specialized bank vaults with full insurance coverage.
Zero Income Proof Required
Since the loan is 100% asset-backed, no ITR, Form 16, or salary slips are needed. Minimal KYC ensures approval even with low credit scores.
Eligibility & KYC
Who can apply for a gold loan?
NationalityResident Indian Citizen
Age Bracket18 to 75 years at maturity
Eligible Collateral18K to 24K gold jewellery or bank coins
Minimum Gold WeightFrom 5 grams net weight
Income ProofZero ITR or salary slips required
Required Documentation
Documents checklist for swift sanction
Identity Proof
Aadhaar Card, PAN Card, Voter ID, or Passport
Address Proof
Aadhaar, Utility Bill (< 3 months), or Driving Licence
Photographs & Bank Account
2 passport-size photographs & cancelled cheque for direct IMPS transfer
Simple 4-Step Process
How to get your gold loan in 30 minutes
- 01
Calculate Valuation
Enter your gold weight in grams and purity (18K, 22K, or 24K) to view current market valuation and maximum RBI 75% loan limit.
- 02
Compare Lender Quotes
View ranked offers from leading banks and NBFCs with real interest rates, processing fees, and monthly EMI schedules.
- 03
Doorstep or Branch Appraisal
A certified appraiser visits your home or you visit the nearest branch. Gold purity is verified using non-destructive precision testing.
- 04
Instant Money Disbursal
Once purity is verified, the sanctioned amount is credited directly to your bank account via instant IMPS or RTGS transfer.
Rates & Charges
Gold Loan rates and charges at a glance
All charges are disclosed transparently in strict compliance with RBI Fair Practice Code guidelines.
Fee typeApplicable charges
Interest Rate8.75% to 16.00% p.a. (0.73% to 1.33% p.m.)
Processing Fee0% to 1.00% of loan amount (Min ₹250)
Gold Valuation Fee₹0 to ₹500 (Waived by many partner banks)
Foreclosure / Prepayment ChargesNil on floating rate loans for individuals
Part-Payment ChargesNil (Pay back whenever you have surplus cash)
Vault Storage & Insurance100% Free (Borne by partner bank/NBFC)
Late Payment Penal Interest1.0% to 2.0% per month on overdue EMI
Representative example
Loan amount₹1,00,000
Interest rate15% p.a.
Tenure12 months
Processing fee (incl. GST)₹200
Monthly EMI₹10,563
APR39%
Total payable₹1,10,000
The PaisaOne Difference
Gold Loan vs Unsecured Personal Loan
PaisaOneRecommended
8.75% – 14.50% p.a. (Secured Gold Loan)
Within 30 to 60 Minutes
Yes (Gold Jewellery / Bank Coins)
Zero Income Proof Required
Minimal barrier (Asset-backed sanction)
Bullet repayment, interest-only, or EMI
Single lender directly
10.50% – 24.00% p.a. (Unsecured)
24 to 72 Hours verification
None (Unsecured)
Mandatory (Salary Slips / 2-Year ITR)
700+ Score strictly mandatory
Regular monthly EMI only
Single lender directly
Interest Rate
Disbursal Speed
Collateral Required
Income Proof Needed
Credit Score Impact
Repayment Flexibility
PaisaOneRecommended
8.75% – 14.50% p.a. (Secured Gold Loan)
Within 30 to 60 Minutes
Yes (Gold Jewellery / Bank Coins)
Zero Income Proof Required
Minimal barrier (Asset-backed sanction)
Bullet repayment, interest-only, or EMI
10.50% – 24.00% p.a. (Unsecured)
24 to 72 Hours verification
None (Unsecured)
Mandatory (Salary Slips / 2-Year ITR)
700+ Score strictly mandatory
Regular monthly EMI only
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Borrowers who trusted PaisaOne Gold Loan
Discover how families, business owners, and farmers secured instant liquidity at lowest interest rates.
50,000+Happy Customers
4.8/5Average Rating
90%Would Recommend
4.9 Star Verified Reviews
Gold Loan FAQs
Frequently asked questions
Everything you need to know about gold valuation, RBI LTV regulations, doorstep appraisal, and safety of pledged jewellery.
Under Reserve Bank of India (RBI) guidelines, banks and NBFCs can sanction up to 75% of the net market value of your gold collateral. For example, if your 22K gold has an appraised market value of ₹2,00,000, the maximum permissible loan amount is ₹1,50,000.