India Gold Loan

Here are a few factors

Product Rating

( 4.6 /5 )

Total - 269 ratings

LocationPAN INDIA                                             
Loan Amount

Fresh Loan- Minimum 20000

BT- Minimum 50000

Maximum 1 Crore

Rate of Interest0.77%-1.10% per month
CIBIL Score550
LTV75% of Gold Value
ApplicantAny Indian Citizen 
Applicant AgeMinimum 18 year
Processing Fees0.20% to 0.50%                       
Foreclosure ChargesNIL after 3 month

India Gold Loan EMI Calculator

Interest Type

Loan Amount

Interest Rate


Loan Tenure

Loan Amount100,000
Interest % %
Tenure (months)12
Emi (monthly)NaN
Total InterestNaN
Loan Amount + Interest0
YearTotal Principal
( A )
Total Interest
( B )
( A + B)
Total Payment Loan Paid Till Date (%)
OctNaN0NaNNaNNaN %
Apply for a Gold Loan

Applying for a Gold Loan is easy. All you need to do is Contact Us-0120-4026130 or 96432 21684 and book a free appointment with our loan manager at your convenience.

From Us to You, in Just 30 Mins

We want to make the process of getting a loan as easy for you as possible. Our loan manager will visit your home, complete the application process, and transfer the loan amount in 30 minutes.

Gold Loan Made Safer

Your Gold will be safely stored in our bank vaults. We take 100% responsibility for your asset the moment you hand over it to us. You can close your loan or pay your EMI directly from our app.

Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, you will receive your loan amount shortly.

About India Gold Loan

Have you ever wondered if you can use your gold to get a loan? It's possible with a Gold Loan from ReferLoan. We give loans against gold with a quick approval policy and minimum CIBIL score of 550. We offer simple, transparent finances with a quick turnaround time. Our Gold Loan offers a range of plans – choose the one that suits you, and we will disburse the loan money directly to you in no time. Let’s introduce you to some of the benefits that you could leverage from our Gold Loans:


1. KYC of Applicant 

  • Adhar Card
  • PAN Card
  • Passport Size Photo 

Don’t Put Your Gold to Hold

  • Starting at just 0.77% per month*
  • Get money in 30 mins* at your home
  • Shift an active loan. Save ₹58,500* in interest!
  • Highest Per Gram Rate
  • Quick Release Guarantee
  • Lowest Interest Rate
  • No Processing Fee
  • Loan at Home Service
  • Minimal Documentation
*5.4% Annual percentage rate ( APR ). Only in certain Geographies and with certain lenders. T&C Apply.
Indicative time measured for a loan of Rs 50,000 carried under controlled conditions.
Representative Example: A customer avails a loan of Rs.5,00,000/- @8.28% ROI and pays back the cost of Rs.5,20,700/- during the tenure of 180 days by considering that interest is serviced monthly.
Minimum period of repayment is 61 days and Maximum period of repayment is 12 months. Effective monthly interest rate post rebate in Regular Rebate Max Value Scheme with Loan Tenure of 6 months
Contact Information (Registered Office): Referloan Private Limited, B-13, 2nd floor Sector 2 Noida, Uttar Pradesh 201301 India | Phone number : 09643221684
Associated Fees and Charges :There is no associated fees for Referloan Gold schemes. There are zero processing fees and there are no hidden charges in Referloan Gold schemes.
We don't offer personal loans which require repayment in full in 60 days or less from the date the loan is issued. Subject to the necessary KYC and verification. T&C apply
Leave Your Question


As the name implies, this is a loan secured by gold. It's a secured loan that permits debtors to renounce cash loans in favor of gold pledges. Instead of keeping their gold assets in lockers, users can use them to get instant cash. Customers typically use this short-term loan to cover expenses related to their children's schooling, marriage, and other family financial issues.

The maximum loan amount varies depending on the lender. Depending on the eligibility requirements of a specific bank or institution, it can range from Rs. 1,500 to Rs. 1 crore.

Reclaiming gold that has been deposited is fairly easy. You only need to schedule your loan repayment effectively to avoid defaulting. Your gold jewelry will be auctioned if the loan is not repaid within the allotted time.

You can choose any preferred method of money transmission to repay the loan, including cash, check, demand draft, or online fund transfers.

A gold loan may be partially repaid at any time. However, your gold assets will not be returned until the loan amount has been paid back.

It’s not necessary to be an existing bank customer to get the loan. However, we advise customers to open a savings bank or current account with the bank while applying for a gold loan. This will allow them to take advantage of all the bank's banking facilities and make it easier for them to repay the loan.

Banks store your gold with great care and keep it secure until the loan amount is paid back. They are aware of the sentimental significance associated with gold ornaments and take care of them while the gold is still in their possession.

Yes, Gold Loan can be taken even if applicant is having CIBIL score of 550 and above

Yes, the applicant whose CIBIL score is low can improve their CIBIL by taking Gold Loan