Gold Loan

Before taking a gold loan, compare the annual interest rate, LTV, lender licence, repayment mode, and auction rules. A low monthly rate can become expensive fast.

The gold loan is the cheapest, fastest credit available to Indian households — used right. Used wrong, it is how families slowly lose generations of gold. The complete guide: LTV, rates by lender type, the silent renewal trap, RBI auction rules, and when to walk out of the branch.