Gold Loan Overview

LoanPao’s gold loans in India 2025 offer a fast, secure way to access cash by pledging your gold ornaments or coins. Ideal for personal expenses, emergencies, or business needs, gold loans provide low interest rates, quick disbursal, and minimal documentation, making them a popular choice for instant funding.

With LoanPao, you can connect with trusted lenders to get the best gold loan deals, ensuring your gold is safe and your financial needs are met efficiently. Whether you need funds for medical emergencies, education, or business expansion, a gold loan is a flexible solution.

Why Choose Gold Loans?

Quick Disbursal

Get funds within hours to address urgent financial needs.

Low Interest Rates

Enjoy rates starting at 10% p.a., lower than unsecured loans.

Secure Storage

Your gold is stored in insured vaults for complete safety.

No Credit Check

Approval based on gold value, not credit score.

Minimal Documentation

Requires only basic ID and address proof.

Flexible Tenure

Choose repayment periods from 3 months to 3 years.

Eligibility Criteria

Criteria Details
Age 18–70 years
Gold Purity 18–24 carat gold ornaments or coins
Loan Amount ₹10,000 to ₹50 lakh, based on gold value
Residency Indian resident

Documents Required

  • Identity Proof: Aadhaar, PAN, Passport, or Voter ID
  • Address Proof: Utility bill, Aadhaar, or rental agreement
  • Gold Ownership Proof: Purchase receipt (optional)
  • Passport-size photographs (2–3)

How to Apply for a Gold Loan

Applying for a gold loan with LoanPao is simple and fast:

  1. Visit LoanPao’s application page or call +91-971-769-5334.
  2. Submit your gold for valuation at a partnered lender’s branch.
  3. Provide identity and address proof documents.
  4. Sign the loan agreement after approval.
  5. Receive funds instantly via bank transfer.

Need a gold loan for business? Check out our Gold Loan for Business page for tailored solutions.

Compare Gold Loan Providers

Provider Interest Rate (p.a.) Loan Amount Tenure Processing Fee
Bank A 10–12% ₹10,000–₹50 lakh 3–36 months 0.5–1%
NBFC B 11–14% ₹20,000–₹1 crore 6–24 months 1–2%
Bank C 10.5–11.5% ₹15,000–₹75 lakh 3–48 months 0.25–0.75%

Note: Rates and terms are indicative and subject to change. Contact LoanPao for the latest offers.

Interest Rates and Tenure

Gold loan interest rates typically range from 10% to 14% per annum, depending on the lender and loan-to-value (LTV) ratio, which is usually 70–80% of the gold’s market value. Tenure options vary from 3 months to 4 years, offering flexibility to suit your repayment capacity. Use LoanPao’s EMI Calculator to plan your repayments effectively.

LoanPao’s Gold Loan Advantage

Trusted Partners

Connect with top banks and NBFCs for competitive rates.

EMI Planning

Use our EMI calculator to budget repayments.

Expert Support

Get assistance at +91-971-769-5334 or info@loanpao.in.

Frequently Asked Questions

A gold loan is a secured loan where you pledge gold ornaments or coins as collateral to receive quick cash, ideal for personal or business needs in India 2025.

Individuals aged 18–70 years who own 18–24 carat gold ornaments or coins are eligible. Minimal documentation like Aadhaar or PAN is required.

Your gold is stored in secure, insured vaults by trusted lenders partnered with LoanPao, ensuring safety throughout the loan tenure.

If you default, the lender may auction your pledged gold to recover the loan amount. Contact info@loanpao.in for repayment assistance.

Interest rates, typically 10–14% p.a., depend on the lender, gold value, and loan-to-value ratio, with LoanPao offering competitive options.

Get Your Gold Loan Today

Ready to unlock quick cash? Apply for a gold loan with LoanPao and get funds within hours. Use our EMI Calculator to plan your repayments or contact us at +91-971-769-5334 for expert guidance.

Apply Now