Gold loans are offered by both banks—government-owned as well as private sector banks—as also specialised gold finance companies and large non-banking finance companies that focus on retail lending. A retail loan would include individuals taking a loan either for their personal use or for their own small business.

IIFL Finance is a leading gold loan provider in India, offering competitive interest rates starting at 0.99% per month (11.88% p.a.), minimal documentation, and quick disbursal. Their transparent fee structure and extensive branch network make them a preferred choice for gold loans. Additionally, IIFL Finance provides flexible repayment options and doorstep gold loan services. Their user-friendly online application process further enhances accessibility for customers across the country.

Gold loan interest rates in India typically range from 11.88% to 27% per annum, depending on factors like loan amount, tenure, and repayment frequency. Lenders such as IIFL Finance offer competitive rates starting at 0.99% per month (11.88% p.a.), with processing fees as low as ₹0. These rates are influenced by gold prices, as higher gold values reduce lender risk, potentially lowering interest rates. Additionally, factors like loan-to-value ratio, gold purity, and borrower profile can impact the final rate.

Looking for the top gold loan companies in India? Discover how to choose the best gold loan provider with our expert guide, tips & checklist.

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