Overview of Gold Loan Rates in 2025
Gold loan rates have stabilized in 2025 due to steady gold prices and RBI policies. As of 01:31 AM IST, July 04, 2025, Loanpao offers competitive rates, making gold loans a reliable option for quick funds amidst economic stability.
Current Gold Loan Rates
Loanpao provides the following stabilized rates for 2025:
| Loan Amount | Interest Rate | Tenure | LTV Ratio |
|---|---|---|---|
| ₹10,000 - ₹5 lakh | 7% - 8.5% | 3-12 months | 75% |
| ₹5 lakh - ₹20 lakh | 8% - 9% | 6-18 months | 70% |
| ₹20 lakh - ₹1 crore | 8.5% - 9.5% | 12-24 months | 65% |
Note: Rates may vary based on gold purity and market conditions. Contact Loanpao for a personalized quote.
Benefits of Stabilized Gold Loan Rates
Advantages for borrowers in 2025:
- Predictable Costs: Fixed rates ensure budgeting ease.
- Quick Access: Funds disbursed within 24 hours.
- No Credit Check: Ideal for those with low credit scores.
- High LTV: Up to 75% of gold value.
- Flexible Tenure: Options from 3 months to 2 years.
Eligibility and Application Process
To qualify for a gold loan with Loanpao:
- Age: 18-70 years.
- Gold Ownership: Minimum 10 grams of 18K+ purity.
- Documents: ID proof and gold valuation certificate.
- Location: Available nationwide.
- Income: Not mandatory.
Apply at a Loanpao branch or online with approval in 1-2 hours.
Frequently Asked Questions
Stable gold prices and RBI regulations have led to consistent rates in 2025.
Individuals aged 18-70 with 10+ grams of 18K gold.
Funds are disbursed within 24 hours of application.