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Gold Loan

Quick funds against your gold jewellery.

A gold loan lets you borrow against gold jewellery you own. The loan amount depends on the weight and purity of the gold, and your jewellery is kept safely with the lender until you repay.

  • Fast

    Usually one of the quickest ways to raise money.

  • Minimal paperwork

    Your gold is the security, so income proof often isn't needed.

  • Flexible repayment

    Options to pay interest monthly and the principal at the end.

Interest Rates, Processing Fees & Other Charges

Interest rate
9%–24% per annum
Subject to the lender’s scheme, gold valuation and eligibility.
Processing fee
0% to 1%
Of the loan amount, plus GST, depending on the lender and scheme.
  • Other charges: Additional applicable charges, if any, will be disclosed by the concerned bank/NBFC before loan acceptance.
  • Eligibility: Approval, interest rates and charges depend on the lender’s policies and the applicant’s eligibility.

Disclaimer: MONEYYHEIGHT facilitates access to gold loan options. The final loan terms, interest rate, processing fee and other applicable charges are determined by the concerned lender. Loan approval is not guaranteed.

How it works

  1. 01

    Tell us what you need

    A minute on the form — no documents yet.

  2. 02

    We call you back

    An advisor checks your eligibility and explains your options.

  3. 03

    Apply with the right lender

    We help with the paperwork and follow it to disbursal.

Who can apply

  • Anyone 18 or older who owns gold jewellery
  • No minimum income in most cases

What you'll need

  • The gold jewellery
  • PAN and Aadhaar
  • A recent photograph

Questions people ask

How much will I get for my gold?

It depends on the weight, purity and the day's gold rate, within the limits lenders are allowed to lend. Tell us the weight and we'll give you an idea.

Is my gold safe?

It's held in the lender's secure vault and insured until you repay and collect it.

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