Trusted gold loan marketplace Call +91-90345 64321
Goldwaala
RBI-aware · Partner-lender network

Get the right gold loan offer, quickly and safely.

Fast, secure, and transparent gold loans. Compare indicative offers from trusted lending partners, check eligibility in minutes and get a callback — no hidden charges, no paperwork hassle.

  • No hidden charges
  • Insured gold storage
  • Wide lender network

Indicative gold rate (24K)

₹15,600 /gram

Source: moneycontrol-mcx · for reference only.

24K
LTV
81%
Rate p.a.
8.6%
Tenure
1 yr
Try the calculator

Gold loan calculator

Enter your gold details to see an indicative loan amount and estimated interest. Final loan offer depends on the lender's valuation and policy.

Disclaimer: This is an indicative estimate only. Final loan amount, interest rate, charges, and approval are subject to lender policy, gold purity, valuation, KYC, and eligibility checks.

Indicative loan amount

₹0

Yearly interest

₹0

Monthly interest

₹0

Indicative EMI (if applicable)

₹0

Get this offer reviewed

Get a callback from a lending partner

Share a few details. A verified Goldwaala partner will call you, confirm eligibility and walk you through the next steps. No charges to apply.

  • 1 Tell us your details
  • 2 Our partner calls you back
  • 3 Visit branch or doorstep pickup (where available)
  • 4 Gold valuation + KYC
  • 5 Loan amount disbursed, subject to approval

By submitting, you confirm the details above are correct. We do not charge anything to submit an enquiry.

How a gold loan works on Goldwaala

A simple, transparent path from enquiry to disbursal.

01

Share your details

Fill the short enquiry form. It takes less than a minute.

02

Talk to a partner

A verified lending partner calls you to confirm requirement and branch options.

03

Bring your gold

Walk into the partner branch or request doorstep pickup (where available) for valuation and KYC.

04

Get the loan

Eligible loan amount is disbursed, subject to lender approval. Your gold stays safe in their insured vault.

Why choose Goldwaala

Built around three simple promises: trust, transparency and convenience.

One enquiry, multiple offers

Compare indicative offers from our trusted partner lenders without filling multiple forms.

Clear, honest pricing

We show what to expect — interest rate, processing fees, foreclosure terms — so there are no surprises.

Customer support that listens

Real humans on call. We help you with paperwork, branches and follow-ups.

Trusted partner network

Trusted by leading banks

We work with leading banks and NBFCs across India so you get more choice and competitive offers — all in one enquiry.

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Logos shown are of our partner banks and NBFCs. All loan offers are subject to the respective lender's policy, KYC, gold valuation and applicable RBI guidelines.

Interest rate & charges

  • Interest rate (indicative)8.6% – 24% p.a.
  • Processing fee0% – 1% of loan amount
  • Loan-to-valueUp to 81% (policy-driven)
  • Tenure3 – 36 months
  • Foreclosure0% – 1% (lender policy)

Rates and charges vary by partner lender, product, gold purity and loan amount.

See full rate details →

Eligibility

  • Indian citizen, 18 years or older
  • Owner of the gold being pledged
  • Salaried, self-employed, homemaker — all welcome
  • No income proof or credit score required for most products

Eligibility is subject to lender policy and successful KYC.

Read full eligibility →

Documents required

  • PAN card or Form 60
  • Any one address proof — Aadhaar, Voter ID, Driving License, Passport
  • Two passport-size photographs
  • Gold ornaments / coins to pledge

Some lenders may ask for additional documents based on loan amount.

See document checklist →
Safety first

Your gold is stored safely

Pledged gold is sealed in tamper-proof packets in the presence of the customer, then stored inside insured vaults with CCTV monitoring and dual-key access at the partner lender's branch.

  • · Tamper-proof packets sealed with the customer's signature
  • · Insured storage covering theft, fire and burglary
  • · Branch-grade vault with restricted access
  • · Detailed valuation receipt for every customer

Gold safety process and insurance cover may vary by partner lender.

Vaulting
Insured
Access
Dual-key
Monitoring
24×7 CCTV
Receipt
Itemised

Partner lender disclaimer. Goldwaala is a marketplace/lead-generation platform. Loan offers are extended by our partner banks, NBFCs and lending institutions, subject to their internal policies, KYC checks, gold valuation and applicable RBI guidelines. Final approval, interest rate, charges and disbursal timelines are decided by the lender.

Frequently asked questions

Short answers to common questions about gold loans.

What is a gold loan?
A gold loan is a secured loan where you pledge your gold ornaments or coins to a bank or NBFC and get a loan against their value. You continue to own the gold; the lender keeps it safely until you repay.
How much loan can I get against my gold?
The loan amount depends on the weight, purity and current market value of your gold, plus the lender's loan-to-value (LTV) policy. Our calculator uses a default LTV of 81% as an indicative reference; the final amount is decided by the lender after valuation.
Is my gold safe with the lender?
Reputed lenders store pledged gold in tamper-proof packets inside insured vaults with CCTV and dual-key access. The specific safety process may vary by partner lender.
What documents do I need?
Usually just your PAN/Aadhaar/Voter ID, a recent address proof and a passport-size photo. No income proof or credit-score check is needed by most gold-loan lenders.
Will my CIBIL score be checked?
A formal CIBIL/credit check is generally not required for a gold loan because the loan is fully secured by your gold.

More questions? See the full FAQ →

Ready to unlock the value of your gold?

Get an indicative loan amount in seconds and have a partner lender call you back. Subject to eligibility.

Apply for gold loan