Gold Loan
Quick funds against gold jewellery, with clarity on loan-to-value, interest and repayment options.
A gold loan is one of the fastest ways to raise funds because the jewellery is the security. Credit score matters less, but rates and terms vary widely between lenders.
Before you pledge
- Check the loan-to-value the lender offers; RBI caps it, with a higher cap for smaller loans
- Compare interest, processing fee and charges for part-payment
- Understand the auction process if repayment is missed
Repayment options
Lenders offer regular EMIs, interest-only payments with a bullet repayment, or a single payment at the end. Choose the one that matches your cash flow.
Free help, start to finish. Tell us your requirement using the form on this page or on WhatsApp. We shortlist suitable lenders, prepare your document checklist and follow up until disbursal. You pay nothing to us.
EMI calculator
Loan amount (₹)
Interest rate (% per year)
Loan tenure
Monthly EMI
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- Principal
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- Total interest
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- Total payable
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Indicative only. The lender's rate, fees and rounding decide your actual EMI.
Frequently asked questions
How quickly is a gold loan disbursed?
Often on the same day once the gold is assessed at the branch.
Does my credit score matter?
Less than for unsecured loans, but lenders may still check it.
Is my gold safe?
Regulated banks and NBFCs store pledged gold in secure vaults and return it on full repayment.
Disclaimer: This page is for general information only and is not financial, legal or tax advice, or an offer of credit. Scheme rules, interest rates and eligibility are set by the government and lenders and may change, so please verify current terms with the lender or the official scheme website before acting. Uttarakhand Loans is an empanelled Direct Selling Agent (DSA); we do not lend, and loan sanction, rates and terms are at the sole discretion of the lending bank or NBFC. We never charge upfront fees for loan approval. Read our full Disclaimer.