State Bank of India
SBI Gold Loan
Rate from8.25%
Max amount₹50 L
EMI/L · 1y₹8,710
DisbursalSame day
- Lowest gold loan rates
- Per gram rate updated daily
CIBIL: 600+ · Salaried · Self-employed · Professional
★ FeaturedGold Loan
Muthoot Finance Gold Loan
Muthoot Finance
NBFC · Since 1939
Muthoot Finance Gold Loan — India’s largest gold-loan NBFC with 5,700+ branches and 5-minute disbursal.
Interest rate12.00%– 26.00%
Up to₹1 Crmax amount
Disbursal5 minutes
Min CIBIL600+
Calculate your EMI
Move the sliders to see monthly EMI, total interest, and total cost of this loan.
₹3,00,000
1 year
12.00%
Your actual rate depends on your credit profile, income, and employer category.
Monthly EMI
Total interest
Total payment
Processing fee (1%)
Total cost of this loan
✨ interest + processing fee
Key features
- Largest gold loan NBFC
- 5,700+ branches
- Instant disbursal in 5 minutes
- Online repayment
Who is this loan best for?
Customers prioritising speed (5-minute disbursal) and branch access over absolute lowest rate.
Rate and prepayment
This is a fixed or floating rate loan. No prepayment penalty — you can foreclose or pre-pay any amount at any time, free of charge (RBI mandate for floating-rate individual loans).
Compare with other gold loans
Federal Bank
Federal Bank Gold Loan
Rate from10.00%
Max amount₹1 Cr
EMI/L · 1y₹8,792
DisbursalSame day
- Narrow rate band (10–14%)
- Low processing fee (0.5%)
CIBIL: 650+ · Salaried · Self-employed · Professional
HDFC Bank
HDFC Bank Gold Loan
Rate from10.50%
Max amount₹50 L
EMI/L · 1y₹8,815
DisbursalSame day
- Bank safety of gold storage
- Overdraft option against gold
CIBIL: 650+ · Salaried · Self-employed · Professional
ICICI Bank
ICICI Bank Gold Loan
Rate from10.50%
Max amount₹1 Cr
EMI/L · 1y₹8,815
DisbursalSame day
- Starts as low as ₹10,000
- High per-gram rate
CIBIL: 650+ · Salaried · Self-employed · Professional