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Product · Gold Loan

Gold Loan.

Cash against your gold, in under an hour. Lower rates than personal loans, no income proof needed, and your jewellery safely stored in a bank-grade vault until you pay back.

Check eligibility → Calculate EMI
Starting from
9.00%
Maximum amount
no cap
Tenure
3–36 mo
Disbursal
30-60min

Why pick this loan through BazaarBraker?

  • Up to 75% of gold value (per RBI guidelines) at competitive rates
  • No income proof or credit score check required
  • Same-day disbursal — often in 30 to 60 minutes
  • Flexible repayment: monthly EMI, interest-only, or bullet repayment at the end
  • Doorstep evaluation available with select partners

Who's eligible?

Each lender sets its own criteria — these are the typical baselines. We'll match you only with lenders whose rules you actually meet.

  • Indian resident, 18 years or older
  • Gold jewellery of 18 to 22 carats
  • Coins, bars, and biscuits accepted at most partners (up to 50g per RBI cap)
  • Valid KYC documents
  • No CIBIL or income proof required

What you'll need.

Standard documents. Upload once. We share them only with the lender you choose to apply to.

  • PAN card or Form 60
  • Aadhaar card
  • One additional address proof (Voter ID, passport, utility bill)
  • Two passport-size photographs
  • Gold purchase invoice (preferred but not mandatory)
Live rates

Indicative rates from our partners.

Rates as of 2025. Your final offer depends on the lender's assessment of your profile.

LenderInterest rateProcessing feeMax tenure
SBI9.00% – 10.50%0.50% + GST36 months
HDFC Bank9.25% – 17.30%Up to 1.00%24 months
ICICI Bank9.90% – 17.95%1.00% + GST12 months
Axis Bank14.00% – 17.00%Up to 1.00%36 months
Muthoot Finance9.99% – 25.00%Up to 0.25%36 months
Manappuram Finance9.95% – 26.00%Up to 0.25%12 months
IIFL Finance10.99% – 24.00%Up to 0.50%12 months

* Rates are indicative and subject to change without notice. Final rate depends on credit score, income, and lender's policy.

FAQ

Things people ask.

Quick answers to the questions that come up most often.

The lender weighs and purity-tests your gold, then offers a percentage (the LTV) of the prevailing market price. RBI caps gold-loan LTV at 75%. So 100 grams of 22-carat gold valued at ₹5,000/g gives you up to ₹3,75,000.
Yes. Partner lenders store gold in insured, bank-grade vaults with CCTV and 24x7 security. You get a detailed receipt with weight, purity, and a photograph of each item.
The lender will issue reminders and may add penal interest. If you continue to default, the gold can be auctioned to recover the dues. Any surplus from the auction is refunded to you.
Yes, most lenders allow partial release if you pay down the corresponding portion of the loan. Useful if you pledged multiple items and need one specific piece back (say, for a wedding).
Most lenders allow renewal at the end of the tenure if your account has been regular. You may need to clear accrued interest, and the gold is re-valued at current prices for the new sanction.

Stop overpaying.
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Three steps. Ninety seconds. Zero impact on your credit score. See what real lenders will actually offer you.

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