Name: Top Gold Loan Providers
Address: Delhi
Rating: 4.102113

Top List of 670+ Gold Loan Providers. Get a Gold Loan with a low interest rate. Also, get an instant jewel loan, private loan, and more. Find the Gold loan service providers near your location. as on Apr 26, 2025

Rathi Infotech

Indore H O, Indore, 452001

+09021113771

Loans Construction Loans Loan against Mutual Funds

+3 more

Response Time: Within 15 MinsSulekha score: 3.8

Rathi Infotech, located in Indore H O, offers a variety of financial services. The company specializes in providing loans, including personal loans, business loans, home loans, and vehicle loans. With over six years of experience, they are known for their reliable customer service, offering tailored financial solutions to meet individual needs. Their services also include loan assistance for clients with varying credit scores, including CIBIL defaulters. Rathi Infotech ensures prompt responses and has a proven track record of helping clients secure the necessary funds efficiently.

Available Loan Types:

Offering 30+ different types of loans

Loan Amount Range:

From less than ₹1 Lakhs to ₹1 Crore and above
Depending on the type of loan

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Samruthi Fincredit Pvt. Ltd.

Mylapore, Chennai, 600004

+08069876703

Loans

Response Time: Within 15 MinsSulekha score: 6.5

Samruthi Fincredit Pvt. Ltd. is a financial service provider located in Mylapore, Chennai. They specialize in offering a range of loan services including gold loans, personal loans, and business loans. The company is known for its quick and efficient loan processing, catering primarily to individuals and small businesses looking for short-term financial solutions. With a customer-centric approach, they ensure that the loan disbursement process is straightforward, requiring minimal documentation. Their working hours are from 9:30 AM to 6:30 PM, providing convenient access to financial services throughout the day. Samruthi Fincredit has gained a solid reputation for its reliable services, as reflected in positive customer feedback on various platforms?

Available Loan Types:

Offering 2 different types of loans

Loan Amount Range:

From less than ₹1 Lakhs to ₹10 Lakhs and above
Depending on the type of loan

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Jija Financial Services

Shukrawar Peth, Pune, 411002

4.9/5 Based on 10 Reviews

+08069670214

Loans

Response Time: More than 60 MinsSulekha score: 8.1

JIJA FINANCIAL SERVICES has been providing top-notch financial services to the residents of Shukrawar Peth for many years. Our team of dedicated professionals is committed to helping our clients achieve their financial goals. We specialize in providing loans for various purposes such as education, business, and personal needs. Our services also include gold loans with a variety of options such as gold coins, ornaments, and various karat ranges. We understand the value of your hard-earned money and offer loans starting from less than 50,000 to more than 10 lakhs. Our flexible working hours ensure that we are always available to assist you in fulfilling your financial needs.

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Universal Solution

South Tukoganj, Indore, 452001

5.0/5 Based on 1 Reviews

+08069831790

Loans Construction Loans Loan against Mutual Funds

+3 more

Response Time: Within 15 MinsSulekha score: 4.2

Universal Solution, located in South Tukoganj, Indore, is a well-known financial service provider offering a variety of loan options to meet diverse needs. They specialize in business loans, personal loans, home loans, education loans, and vehicle loans. Established with a focus on customer satisfaction, Universal Solution provides personalized financial assistance, ensuring a smooth and hassle-free process for clients. The company offers more than 25 different types of loans, including mortgage and unsecured loans, catering to both individuals and businesses. With a team of experienced professionals, Universal Solution is dedicated to helping clients choose the best financial solutions based on their requirements

Available Loan Types:

Offering 25+ different types of loans

Loan Amount Range:

From ₹1 Lakhs to ₹1 Crore and above
Depending on the type of loan

Pawan Kumar from Indore

"Good services with economical prices"

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Priceless Financial Planners LLP

East of Kailash, Delhi, 110065

+011-40126799

Loans

Response Time: Within 15 MinsSulekha score: 7.4

My Rupee Mantra is a comprehensive financial solutions provider operating under the brand of Priceless Financial Planners LLP. They offer a wide range of financial planning and advisory services tailored to meet individual and business needs. Their services include investment and wealth management, insurance advisory, and various loan options such as home loans, personal loans, and business loans. Additionally, they provide specialized services like trade finance, legal advisory, and support for resolution professionals under the Insolvency and Bankruptcy Code (IBC) 2016. Their team comprises experienced professionals, including ex-bankers, chartered accountants, and legal experts, ensuring personalized and efficient financial guidance

Available Loan Types:

Offering 35+ different types of loans

Loan Amount Range:

From ₹35 Lakhs to ₹50 Lakhs and above
Depending on the type of loan

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All Loans

Kanpur Cantonment, Kanpur, 208027

1.0/5 Based on 1 Reviews

+08069869405

Loans Construction Loans Loan against Mutual Funds

+3 more

Response Time: Within 30 Mins Sulekha score: 5.6

All Loans is a trusted name in the world of finance and insurance. Our company has been serving the people of Kanpur Cantonment for many years and has established a strong reputation for providing top-notch services. We offer a wide range of options for loans and insurance needs, including vehicle loans, home loans, education loans, business loans, and more. Our team of experts will guide you through the process and help you choose the best option that suits your individual needs. We understand the importance of financial stability and strive to provide our customers with the best solutions. With us, you can rest assured that your financial needs are in safe hands.

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Shourya Associates

Dwaraka Nagar, Visakhapatnam, 530016

+08069670322

Loans Construction Loans Loan against Mutual Funds

+3 more

Response Time: Within 15 MinsSulekha score: 3.5

Welcome to Shourya Associates, where we help you achieve your financial goals with our wide range of services. Established in the bustling city of Dwaraka Nagar (Visakhapatnam Bus Station), we have been in the business for several years and have successfully catered to the needs of numerous satisfied customers. Our team of experts is dedicated to providing the best solutions for all your financial needs. We offer a variety of loans, including vehicle loans, home loans, education loans, business loans, mortgage loans, loan against securities & cards, personal loans, project loans, gold loans, NRI loans, unsecured loans, private finance loans, machinery loans, and more. With flexible options for both CIBIL defaulters (score below 750) and non-CIBIL defaulters (score above 750), we have something for everyone. Whether you are in India or abroad, looking for a loan between 1 - 5 lakhs or more than 20 lakhs, we have got you covered. Our services

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Muthoot US

Kochi, Cochin, 682018

+08043691421

Loans

Sulekha score: 6.8Working hours: 10 AM to 7 PM

Muthoot US, located in Kochi, Cochin, provides a variety of financial services, including gold loans, money transfers, and foreign exchange services. With a strong reputation for trust and reliability, Muthoot has become a trusted partner for both locals and NRIs seeking financial assistance. Their expert team ensures smooth transactions and personalized customer service. Whether it's for urgent financial needs or convenient currency exchange, Muthoot US in Kochi caters to a broad range of client requirements with efficiency and professionalism

Available Loan Types:

Offering 2 different types of loans

Loan Amount Range:

From less than ₹1 Lakhs to ₹10 Lakhs and above
Depending on the type of loan

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Muthoot UK

Ernakulam, Cochin, 682018

+08048051361

Loans

Sulekha score: 6.5Working hours: 10 AM to 7 PM

Muthoot UK, located in Ernakulam, Cochin, offers a wide range of financial services, including personal loans, business loans, and gold loans. Known for its customer-friendly approach, Muthoot UK is committed to providing transparent and reliable financial solutions. With years of experience in the financial sector, they have built a strong reputation for offering secure and hassle-free loan options. Their services are tailored to meet the unique needs of individuals and businesses in the region, making them a trusted partner for financial growth. For more details, you can visit their office at Ernakulam

Available Loan Types:

Offering 2 different types of loans

Loan Amount Range:

From less than ₹1 Lakhs to ₹10 Lakhs and above
Depending on the type of loan

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Finkurve Financial Services Limited

Lower Parel, Mumbai, 400013

+09021113548

Loans

Sulekha score: 6.8Working hours: 10 AM to 7 PM

Finkurve Financial Services Limited is a trusted name in the industry, offering a wide range of loan services to cater to the needs of its customers. Our company, established in Lower Parel West, has been providing financial solutions since 0, with a dedicated team of professionals. Our services include gold loans, gold coins, and gold ornaments with varying purity levels of 18K, 22K, and 24K. We cater to all types of loan requirements, ranging from less than 50,000 to more than 10 lakhs. Our working hours are flexible to accommodate the needs of our customers. Trust Finkurve Financial Services Limited for all your loan needs.

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Why Choose Sulekha?

Sulekha is your go-to platform for finding a wide variety of loan providers catering to diverse financial needs such as personal loans, gold loans, home loans, vehicle loans, mortgage loans, education loans, and more. With Sulekha, you gain access to a comprehensive network of reputable lenders, ensuring you find the perfect match for your specific requirements. The platform simplifies your search process, saving you time and effort by connecting you with trusted professionals who can offer tailored loan solutions. Choose Sulekha for a seamless and efficient loan-seeking experience.

1. When to Consider Taking Out a Gold Loan?

Emergency Situations: Gold loans can provide quick funds for urgent medical expenses or unplanned costs like home repairs or sudden travel needs, thanks to their fast processing times.
Short-term Financial Needs: For short-term needs such as bridge financing while waiting for a bonus or managing business cash flow, gold loans can offer a timely solution without disrupting operations.
Lower Interest Rates: Gold loans often have lower interest rates compared to unsecured loans, making them a cheaper borrowing option. They can also be used for debt consolidation to reduce overall interest burden.
Minimal Documentation and Fast Processing: Gold loans require minimal documentation and are processed quickly, making them ideal for urgent financial needs. They are also accessible even to those with lower credit scores due to the secured nature of the loan.
Avoid Selling Assets: Instead of selling your gold during financial crunches, a gold loan allows you to utilize its value while retaining ownership. This is particularly useful for gold with emotional or cultural significance.
Flexible Repayment Options: Many gold loans offer flexible repayment options, including interest-only payments, bullet repayments, or regular EMIs, allowing you to choose a plan that suits your financial situation.
Educational Expenses: Gold loans can provide necessary funds for sudden educational expenses or tuition fees, helping manage these costs without disrupting your long-term financial plans.

2. Eligibility Criteria for Taking a Gold Loan?

Age: Borrowers must typically be at least 18 years old, with some lenders setting a maximum age limit around 70 years. This ensures that the borrower is legally capable of entering into a loan agreement.
Ownership of Gold: The gold used as collateral must be owned by the borrower and should meet a specified purity, often 18 carats or higher. Acceptable forms include jewelry, coins, or other specified formats.
KYC Documentation: Lenders require valid identification documents like a Passport, Voter ID, Aadhaar Card, PAN Card, or Driver's License along with address proof such as utility bills, Aadhar Card, Voter ID, or Passport, and a recent passport-sized photograph.
Loan Amount and Gold Valuation: The loan amount is determined based on the value of the pledged gold, typically providing 75-90% of its market value. This is established through a professional appraisal conducted by the lender.
Income Proof: Proof of income is generally not required since the gold itself secures the loan. This makes gold loans accessible to a wider range of borrowers, including those without a steady income.
Credit History: Although not as critical as in other loan types, some lenders may review the borrower’s credit score to assess risk. This is a supplementary measure to the security provided by the gold.
Repayment Capacity: Lenders may conduct a basic evaluation of the borrower's ability to repay the loan despite the primary reliance on the pledged gold. This assessment ensures that the borrower can manage the loan repayments.
Purpose of Loan: Borrowers may need to declare the purpose of the loan, although most lenders do not restrict the usage of funds as long as they are for legitimate purposes. This provides flexibility in the utilization of the loan amount.

3. What are the Benefits and Advantages of a Gold Loan?

Quick Processing and Disbursement: Gold loans are typically processed and disbursed quickly, often within a few hours. This makes them an ideal option for those in need of immediate funds.
Lower Interest Rates: Compared to unsecured loans like personal loans, gold loans usually have lower interest rates since they are secured by the gold pledged as collateral.
Flexible Repayment Options: Borrowers can choose from various repayment options such as paying only the interest during the loan tenure and the principal amount at the end, or regular EMIs.
No Credit History Required: Gold loans are accessible even to those with poor or no credit history since the loan is secured by the value of the gold.
High Loan-to-Value (LTV) Ratio: Borrowers can get a significant amount of money based on the value of their gold. The Reserve Bank of India (RBI) allows a maximum LTV ratio of up to 75%.
Minimal Documentation: The documentation process for gold loans is minimal, often requiring only basic KYC (Know Your Customer) documents and proof of address.
No Restriction on End Use: Unlike some other types of loans, there are generally no restrictions on how the borrowed funds can be used. Borrowers can use the funds for various purposes including business, education, medical emergencies, or personal expenses.
Security of Assets: The gold pledged as collateral is stored safely in the lender's secure vaults, often insured, ensuring the safety of the borrower's asset.
Option for Part-Release: Borrowers can opt to release part of their pledged gold by repaying the equivalent amount of the loan, offering flexibility if they need only a portion of the gold back.
Renewal Facility: Many lenders offer the option to renew the loan tenure by paying a nominal fee, providing borrowers with extended flexibility in repayment.
No Prepayment Penalty: Many lenders do not charge a penalty for prepaying the loan, allowing borrowers to save on interest costs if they repay the loan earlier than planned.
Transparency: The terms and conditions of gold loans are usually straightforward and transparent, with clear information about interest rates, fees, and repayment schedules.

4. Important Factors to Consider When Taking a Gold Loan?

Loan-to-Value (LTV) Ratio: The LTV ratio determines the amount of loan you can get against your gold's value. While the RBI allows up to 75% LTV, it's important to compare different lenders as some may offer lower ratios.
Interest Rates: Interest rates are the cost of borrowing and vary across lenders. Comparing these rates is essential as lower rates mean lower overall repayment amounts, reducing your financial burden.
Repayment Options: Different lenders offer various repayment options such as EMIs, bullet repayments, or regular interest payments. Choose a repayment plan that aligns with your financial situation and cash flow management.
Processing Fees and Other Charges: Loans come with processing fees and other administrative charges. These can add to the total cost, so ensure you understand all applicable fees before proceeding with the loan.
Tenure of the Loan: The loan tenure affects your repayment schedule. Shorter tenures result in higher monthly payments but lower total interest paid, while longer tenures offer lower monthly payments but higher interest costs.
Security of Gold: Ensure the lender provides secure storage for your gold. Reputable banks and NBFCs typically offer robust security measures, which is crucial for the safety of your pledged gold.
Credibility of the Lender: Choose a lender with a good reputation and positive customer reviews. Established banks and NBFCs are generally more reliable and trustworthy for gold loans.
Gold Appraisal: The appraisal process evaluates the purity and weight of your gold, impacting the loan amount. Ensure the appraisal is conducted by certified professionals to guarantee an accurate valuation.
Loan Renewal and Foreclosure Policies: Understand the lender’s policies on renewing the loan or repaying it early. Be aware of any penalties associated with early repayment or loan renewal.
Hidden Charges: Read the loan agreement carefully to identify any hidden charges that could increase the cost of the loan. Transparency is key to avoiding unexpected expenses.
Impact on Credit Score: Your repayment behavior on the gold loan will affect your credit rating. Timely repayments can improve your score while defaults can have a negative impact.
Purpose of the Loan: Ensure the purpose of the loan justifies the commitment. Avoid using gold loans for non-essential expenses and ensure it aligns with your financial goals.

5. Gold Loan Interest Rates?

Bank Name	Interest Rate (Per Annum)	Loan Amount	Repayment Tenure	Processing Fees
State Bank of India	7.50% - 8.75%	Up to ₹50 lakhs	Up to 36 months	0.50% of loan amount + GST
HDFC Bank	9.50% - 16.50%	Up to ₹1 crore	Up to 24 months	1.50% of loan amount + GST
ICICI Bank	10.00% - 19.76%	Up to ₹1 crore	Up to 24 months	1.00% of loan amount + GST
Axis Bank	12.50% - 17.00%	Up to ₹20 lakhs	Up to 36 months	1.00% of loan amount + GST
Punjab National Bank	8.75% - 9.90%	Up to ₹10 lakhs	Up to 12 months	0.50% of loan amount + GST
Bank of Baroda	8.85% - 11.25%	Up to ₹25 lakhs	Up to 36 months	0.50% of loan amount + GST
Kotak Mahindra Bank	10.00% - 17.00%	Up to ₹50 lakhs	Up to 36 months	1.00% of loan amount + GST
Canara Bank	7.65% - 8.85%	Up to ₹35 lakhs	Up to 36 months	0.50% of loan amount + GST
Union Bank of India	8.25% - 8.75%	Up to ₹20 lakhs	Up to 24 months	0.25% of loan amount + GST
Federal Bank	9.00% - 12.00%	Up to ₹25 lakhs	Up to 24 months	0.50% of loan amount + GST

Please note: Interest rates and fees can vary based on the loan amount, tenure, credit profile of the borrower, and specific bank policies. It is advisable to check with the respective bank for the most accurate and updated information.

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Most Common Questions About Gold Loans

1. Who are the best Gold Loan providers?

Rathi Infotech
Samruthi Fincredit Pvt. Ltd.
Jija Financial Services
Universal Solution
Priceless Financial Planners LLP

2. What documents are required for a Gold loan?

To apply for a gold loan, you typically need an identity proof (like Aadhaar card, passport, or driving license), address proof (such as utility bills or ration card), and photographs. Some lenders may also require proof of income.

3. What are the eligibility criteria for a Gold loan?

The main eligibility criteria for a gold loan include being an adult (18 years and above), possessing gold ornaments or coins, and providing necessary documents for identity and address proof. Lenders do not typically consider credit scores for gold loans.

4. How do I apply for a Gold loan online?

To apply for a gold loan online, visit the lender's website or app, fill out the application form with required details, upload the necessary documents, and schedule a visit for gold evaluation. Once the gold is appraised, the loan amount is disbursed directly to your bank account.

5. How can I get an instant Gold loan?

For an instant gold loan, you can fill out the Sulekha form above with your loan requirements, and connect with the best loan providers that suit your needs. Also visit a nearby branch of a lender offering gold loans with your gold items and required documents. The gold is appraised on the spot, and upon approval, the loan amount is disbursed immediately.

6. What is the percentage rate for Gold loans?

The interest rate for gold loans typically ranges from 7% to 15% per annum, depending on the lender, loan amount, loan tenure, and prevailing market conditions. Rates may vary, so it's advisable to compare different lenders.

7. Can I get a Gold loan with a low CIBIL score?

Yes, you can get a gold loan with a low CIBIL score, as the loan is secured against your gold assets. Lenders primarily evaluate the value and purity of the gold, making credit score less significant in the approval process.

8. What is the processing fee for a Gold loan?

The processing fee for a gold loan usually ranges between 0.25% to 1% of the loan amount, depending on the lender. Some lenders may have a minimum fee or may waive it for certain loan schemes or promotional periods.

9. Can I get a Gold loan with a bad credit score?

Yes, you can obtain a gold loan even with a bad credit score, as the loan is secured by your gold assets. Lenders focus on the value of the pledged gold rather than your credit history, making it easier to get approval.

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4.1

Based on 284 Reviews

Dharmesh Mehendale Shukrawar Peth

27 Oct, 2024

Excellent Gold Loan Services – Highly Recommended! I had an outstanding experience with Sulekha for my gold loan needs. From the moment I stepped in, the entire process was smooth and hassle-free. Here are some key highlights of my experience: 1. Easy and Quick Loan Processing: The documentation process was minimal, and I received the loan amount within a few hours. The speed of service was impressive! 2. Transparent Policies: There were no hidden charges or surprises. Everything, from the interest rates to repayment schedules, was explained clearly upfront. 3. Competitive Interest Rates: Compared to other lenders, the interest rates offered were very reasonable, ensuring I could comfortably manage my finances. 4. Secure and Safe Storage: I was very assured by the high-security standards used to store my gold. Their professionalism gave me peace of mind that my valuables were in safe hands. 5. Friendly and Supportive Staff: The staff was courteous and knowledgeable

Sneha Vasanth Nagar

13 Jun, 2023

No safety for employees who work there even I was worked 6months customers will get cheated easily pls don't sell the gold in attica gold company and bommanalli Badu sule kachada maga

pankaj mitra JP Nagar

12 May, 2023

I was making top up loan 4may2023 last 7days i am not getting my top up amount Wast company only showing system problem

Customer service Bandra

12 Feb, 2023

Bajaj finance contact call me number 790-393.8240** 741-502.9986.// ?;;call me problem solve 24 hours available ??? PhonePe contact call me number 790-39.382 40 ** 74-150.299 86.// ?;;call me problem solve 24 hours available ???.

Swapna JP Nagar

07 Oct, 2022

Do not get cheated by seeing the rate of interest.. initially they will charge you very less interest 0.49, later on they will increase the rate of interest without even your knowledge, before the tenure they have changed my rate of interest to 1.07 within 3 months..you have no option other than paying the interest..they will not inform all this initially..one of the worst and fraud company and playing with people money.. Never ever trust rupeek

mamatha Sunkadakatte

08 Jul, 2022

they are giving worst service , staffs are always busy in watching phone , they are behave like a government employees , if customer told we will pledge some other finance by your bad service , staff reaction is OK no problem we are not owner . after 5 o clock customers are not allowed , we have to go sharp 5.30 . they are cant wait even 1 minute . kindly appoint customer friendly staffs it improve your business other wise they will close your branch by giving worst service .

Pg for ladies and gents JP Nagar

09 Mar, 2022

My gold is BROKEN Rupeek company very very bad services not gold pleaged this company My gold is BROKEN Rupeek company very very bad services

A User Dadar West

28 Jan, 2022

Pls provide demo about how to use muthoot app for payment of interest as well as repayment of loan against gold facility availed by me.

Top Gold Loan Providers

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Find the Top Gold Loan Providers from Sulekha

Top List of 670+ Gold Loan Providers. Get a Gold Loan with a low interest rate. Also, get an instant jewel loan, private loan, and more. Find the Gold loan service providers near your location. as on Apr 26, 2025

Rathi Infotech

Samruthi Fincredit Pvt. Ltd.

Jija Financial Services

Universal Solution

Priceless Financial Planners LLP

All Loans

Shourya Associates

Muthoot US

Muthoot UK

Finkurve Financial Services Limited

Latest User Reviews for Gold Loan Providers

Why Choose Sulekha?

1. When to Consider Taking Out a Gold Loan?

2. Eligibility Criteria for Taking a Gold Loan?

3. What are the Benefits and Advantages of a Gold Loan?

4. Important Factors to Consider When Taking a Gold Loan?

5. Gold Loan Interest Rates?

Most Common Questions About Gold Loans

1. Who are the best Gold Loan providers?

2. What documents are required for a Gold loan?

3. What are the eligibility criteria for a Gold loan?

4. How do I apply for a Gold loan online?

5. How can I get an instant Gold loan?

6. What is the percentage rate for Gold loans?

7. Can I get a Gold loan with a low CIBIL score?

8. What is the processing fee for a Gold loan?

9. Can I get a Gold loan with a bad credit score?

Tips & Solutions for Applying Loan View All Blogs

Home Buying Trends 2021

Important Things That NRIs Should Know About Home Loan In India

Home Loan Agreement- Important clauses to know!

How To Avoid Rejection Of Your Personal Loan Application