Physical Gold Loan Overview
LoanPao’s Physical Gold Loan in India 2025 allows you to unlock funds by pledging gold jewelry, with interest rates starting at 8.5% p.a. and tenures up to 3 years. As a secured loan, it offers quick disbursal within 1–2 days through our network of 500+ RBI-compliant lenders. Ideal for urgent financial needs like medical expenses, education, or business, with loans up to 75% of gold value. Your gold is stored securely with insured vaults. For other financing options, explore our Personal Loan or Business Loan.
Apply below or use our EMI Calculator to plan repayments. Contact us at +91-971-769-5334 for assistance.
Benefits of Physical Gold Loan
Low Interest Rates
Rates starting at 8.5% p.a.
Quick Disbursal
Funds credited in 1–2 days.
Secure Storage
Gold stored in insured vaults.
Trusted Lenders
500+ RBI-compliant partners.
Minimal Documentation
Basic KYC documents required.
High Loan-to-Value
Up to 75% of gold’s value.
Eligibility Criteria
| Criteria | Details |
|---|---|
| Age | 21–70 years |
| Gold Purity | 18–24 carat gold jewelry |
| Gold Weight | Minimum 10 grams (net weight, excluding stones) |
| Nationality | Indian resident |
| Income | No minimum income required |
| CIBIL Score | Not mandatory, but 600+ preferred |
Contact info@loanpao.in for eligibility queries.
Documents Required
- Aadhaar Card
- PAN Card
- Address Proof (if different from Aadhaar)
- Passport-size Photograph
Note: No income proof is required, as the loan is secured against gold.
How to Apply for a Physical Gold Loan
Get your gold loan with LoanPao in 3 simple steps:
- Fill the form below with your details.
- Visit a partner branch for gold valuation and submit KYC documents.
- Receive funds in your account within 1–2 days post-valuation.
Apply now or call +91-971-769-5334 for support.
Compare Gold Loan Offers
| Lender | Interest Rate (p.a.) | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| Bank A | 8.5%–11% | ₹20,000–₹50 lakh | 3 months–3 years | 0.5–1% |
| NBFC B | 9%–12% | ₹10,000–₹25 lakh | 3 months–2 years | 0.75–1.5% |
| Gold Loan Fintech C | 9.5%–13% | ₹15,000–₹20 lakh | 1 month–2 years | 1–2% |
Note: Rates and terms are indicative as of July 2025. Contact LoanPao for updated offers.
Types of Physical Gold Loans
- Standard Gold Loan: Loan against gold jewelry for general purposes.
- Overdraft Gold Loan: Flexible credit line against gold for ongoing needs.
- Short-Term Gold Loan: For urgent needs with tenures of 1–6 months.
- Business Gold Loan: For entrepreneurs needing quick funds for business.
- Gold Loan with Part Release: Partial gold release upon partial repayment.
Why Choose LoanPao for Gold Loans?
Wide Lender Network
Access 500+ RBI-compliant lenders.
Fast Disbursal
Funds in 1–2 days post-valuation.
24/7 Support
Contact us at +91-971-769-5334.
Tips for Getting a Physical Gold Loan
- Ensure gold is 18–24 carat for higher loan amounts.
- Compare interest rates and processing fees across lenders.
- Verify gold valuation process for transparency.
- Use our EMI Calculator to plan repayments.
- Contact LoanPao for secure and trusted lender options.