Yes, you can get a gold loan with a low CIBIL score since it’s secured by gold collateral. However, some lenders may offer lower amounts or charge higher interest rates.

Applying for personal loan through an app has now become popular with increase in demand for digital loans. Know how you can easily apply for loan through mobile app in a smarter way!

A gold loan is a secured loan where you pledge gold as collateral to get quick funds. To apply, submit your gold and documents to a lender, who evaluates the gold’s purity and disburses the loan promptly.

To calculate a gold loan per gram, divide the loan amount by the weight of the pledged gold in grams. The value depends on gold purity, current market rate, and the lender’s loan-to-value (LTV) ratio.

To calculate the price of gold jewellery, multiply the gold rate per gram by the weight of the jewellery and add making charges. Then apply 3% GST on the total of gold cost plus making charges. This formula accounts for the purity and weight of gold, craftsmanship costs, and government tax. For example, a 10.5‑gram 22‑carat chain at ₹4,300 per gram with 15% making charges would cost around ₹59,660 after GST.

Are you unsure if your lender is charging you a fair EMI? You can now easily calculate your personal loan emi using an excel formula. Read to know the steps here!

Getting a quick & easy personal loan can be a saviour for you in case of an emergency. Here's how long it takes to get a personal loan. Visit to know more!

Gold is not only a precious metal that can be worn as jewellery but also a valuable asset that can be used as collateral for a loan. If you need urgent funds for any personal or business purpose, you can pledge gold loan against jewellery and get a loan against it.

Do you want to raise funds for your business? Here is a list of funding options for small businesses which will help raise capital quickly. Visit to know!

The need for capital is even more important in the case of MSMEs as well as startups. Click here to know how IIFL finance business loan will help your business to grow.