About Gold Loans
Loanpao’s Gold Loans in Delhi, India, provide quick access to funds by pledging your gold. With competitive rates, instant disbursal, and secure storage, we ensure a hassle-free experience for your financial needs.
Why Choose Our Gold Loan?
- Interest Rates starting at 9.0% p.a.
- Loan Amount from ₹10,000 to ₹50 Lakh
- Flexible Tenure up to 3 Years
- Gold Purity: 18K to 22K accepted
- Instant disbursal within 30 minutes
- Minimal documentation
- Secure storage with insurance
- No credit score requirement
Are You Eligible?
| Criteria | Requirement |
|---|---|
| Age | 21-70 years |
| Ownership | Gold must be owned by the applicant |
| Gold Type | Jewelry (18K to 22K); no coins or bars |
| Credit History | Not required |
What Documents Do You Need?
- KYC: Aadhaar / PAN / Voter ID
- Address Proof: Utility bill / rental agreement
- Gold Ownership Declaration
- Passport-size photographs
Attractive Interest Rates & Affordable Fees
| Bank/Lender | Interest Rate | Processing Fee |
|---|---|---|
| SBI | 9.0% p.a. | 0.5% or ₹5,000 |
| HDFC Bank | 9.5% p.a. | 0.75% or ₹7,500 |
| ICICI Bank | 9.75% p.a. | 0.75% or ₹7,500 |
| Axis Bank | 10.0% p.a. | 0.6% or ₹6,000 |
| Kotak Mahindra Bank | 10.25% p.a. | 0.75% or ₹7,500 |
| Bank of Baroda | 9.25% p.a. | 0.5% or ₹5,000 |
| Union Bank of India | 9.5% p.a. | 0.5% or ₹5,000 |
| Punjab National Bank | 9.25% p.a. | 0.5% or ₹5,000 |
| IDFC FIRST Bank | 10.0% p.a. | 0.6% or ₹6,000 |
| Yes Bank | 10.5% p.a. | 0.75% or ₹7,500 |
| NBFCs (Muthoot, Manappuram) | 11.0% p.a. | 1.0% or ₹10,000 |
| Co-operative Banks | 9.5% p.a. | 0.5% or ₹5,000 |
Extra Charges:
- Late Payment Charges: 2% p.m. on overdue amount
- Prepayment Charges: Nil
- GST: Applicable on processing fees
- Valuation Fee: ₹500 per application
Note: Rates and fees are indicative as of April 2025 and subject to change.
Calculate Your EMI Instantly
Enter values and click Calculate EMI to see results.
How to Apply for a Gold Loan
- Complete the online application with personal details.
- Visit a Loanpao branch with your gold and KYC documents.
- Undergo gold valuation and verification.
- Review and accept the loan offer.
- Gold is securely stored with insurance.
- Receive funds instantly within 30 minutes.
Common Questions About Gold Loan
What is a Gold Loan?
A Gold Loan is a secured loan where you pledge your gold jewelry to borrow funds, repayable with interest.
Who can apply for a Gold Loan?
Individuals aged 21-70 who own gold jewelry (18K to 22K).
What is the maximum loan amount?
Up to ₹50 Lakh, based on the value of your gold.
How long does disbursal take?
Funds are disbursed within 30 minutes after gold valuation.
Can I prepay the loan?
Yes, prepayment is allowed with no charges.
Is my gold safe?
Yes, your gold is stored in secure vaults with insurance coverage.
What is the repayment tenure?
Up to 3 years, with flexible repayment options.
Are there special offers?
Yes, waived valuation fees and cashback offers for early repayment.
What documents are needed?
KYC, address proof, gold ownership declaration, and photographs.
What happens if I default?
Your gold may be auctioned to recover the loan amount after due notice.