Get the highest per-gram value against your gold jewelry with Banks Loop. Compare 30+ top banks (HDFC, SBI, ICICI, Muthoot, Axis) with safe bank-vault custody, zero income proof, and 30-minute disbursal.
Our Trusted Gold Lending Banking & NBFC Partners
A Gold Loan is a secured credit facility where you pledge your gold ornaments (18k to 24k) to receive immediate cash without showing salary slips, business tax returns, or high credit bureau scores.
Short-term liquidity for urgent personal or medical needs with low interest rates and standard monthly EMI options.
Apply for Ornaments →Subsidized interest rates starting from 7.00% p.a. for farmers, cultivators, and allied agricultural workers.
Check Agri Subsidy →Flexible revolving credit limit linked to your pledged gold. Pay interest solely on the money you withdraw for business.
Get OD Facility →Transfer existing high-interest gold loans from local pawnbrokers or NBFCs to top national banks with Banks Loop.
Reduce Interest Rate →Select your required borrowing amount, estimated interest rate, and preferred repayment tenure. Once ready, click "Apply with this Plan" to start doorstep verification on WhatsApp.
Compare key parameters across India's top gold lenders before applying to secure the maximum loan-to-value (LTV) and lowest borrowing cost with Banks Loop.
| Bank / NBFC Partner | Interest Rates (p.a.) | Max Loan-to-Value (LTV) | Processing Fee | Loan Tenure |
|---|---|---|---|---|
| SBI Gold Loan | 8.75% - 10.25% | Up to 75% | 0.25% - 0.50% | Up to 36 Months |
| HDFC Bank | 8.90% - 11.50% | Up to 75% | Up to 0.50% | Up to 24 Months |
| ICICI Bank | 9.00% - 12.00% | Up to 75% | 0.50% + GST | Up to 12 Months |
| Muthoot Finance | 9.90% - 18.00% | Up to 75% | Nil to 0.50% | Up to 12 Months |
| Axis Bank | 9.25% - 13.00% | Up to 75% | 0.75% + GST | Up to 36 Months |
Submit your approximate gold weight, required funds, and city in less than a minute.
Certified bank appraisers test ornament karatage with scientific non-destructive tech.
Your jewelry is sealed in tamper-evident packets and locked inside insured bank vaults.
Receive immediate cash or direct RTGS bank account transfer within 30 minutes.
Banks Loop liaisons with institutions offering top-tier RBI permissible LTV limits to give you the highest cash value per gram.
Because physical gold guarantees the loan, self-employed, housewives, and low-CIBIL applicants can easily obtain fast sanction.
Our DSA advisors do not take fee cuts or appraisal margins from applicants. Our consultation is 100% free of cost.
Your gold is sealed in your presence, protected by international vault standards, and fully insured until final redemption.
Our lending partners accept gold jewelry, chains, bangles, rings, necklaces, and temple jewelry having a purity between 18 karat and 24 karat. Raw gold nuggets, bullion bullion bars, and gold coins exceeding 50 grams are generally not accepted as per banking guidelines.
Documentation is minimal. You only require your KYC documents: PAN Card, Aadhaar Card / Voter ID / Passport, and 2 passport-size photographs. Income tax records, salary slips, or bank account statements are not mandatory.
A Personal Loan is unsecured, requires strong income proof and a high CIBIL score (750+), and charges higher interest rates (10.5% - 21%). A Gold Loan is secured by physical ornaments, offers lower rates (from 8.75%), has zero CIBIL hurdles, and can be disbursed in under 30 minutes.
Gold valuation and weight checks are carried out right in front of you. The jewelry is then enclosed in a specialized barcode-sealed bag and deposited directly into high-security, fireproof bank vaults under 24/7 digital surveillance with full insurance coverage.
Connect with our dedicated relationship managers for immediate gold loan valuation and doorstep pickup queries.