Gold Loans
Home, personal, car, and education loans — rate comparisons, EMI calculators, and strategies to close your loan years early.
Gold Loan vs Personal Loan: Which Costs Less in 2026? — A bank gold loan at 8.25–9% can save ₹3,000–10,000 in interest versus a personal loan. But NBFC gold loans at 18–27% are worse than most unsecured options. Here's how to read the rates.
New RBI Rule: How Silver-Backed Loans Change Your Borrowing Options in 2026 — From April 1, 2026, RBI lets you pledge silver ornaments and coins for a loan, not just gold — with LTV up to 85% and a strict 7-day return deadline for your collateral. Here's how it compares to a gold loan and a personal loan.
Gold Loan Interest Rates 2026: SBI vs Muthoot vs Manappuram Compared — A bank gold loan and an NBFC gold loan solve the same problem — cash against pledged gold — at very different prices and speeds. SBI's rates undercut Muthoot and Manappuram by several percentage points, but the NBFCs disburse in hours, not days, and neither typically runs a CIBIL check at all.
Rupeek vs Bank Gold Loan India 2026: Doorstep Digital Gold Loans Compared on Rate and Safety — A fintech appraiser can now value your gold and disburse a loan to your UPI ID inside 30 minutes, without you leaving home — the same "Uber-style" model that made Rupeek a household name. It isn't automatically cheaper than walking into an SBI branch, and the speed comes with trade-offs worth weighing before you hand over jewellery to someone at your door.
RBI's Gold Loan Directions 2026: The Complete Rulebook on LTV, Pledging Limits, Valuation and Auctions — Most coverage of RBI's new gold loan rules stops at the headline LTV change — borrow up to 85% against smaller loans instead of a flat 75%. That's only one piece of a far more detailed rulebook covering how much gold you can pledge at all, how lenders must value it, how fast they must return it, and what happens if your loan actually goes to auction.
Gold Loan Auction Rules in India 2026: What Happens If You Default, and How to Stop It Before It's Too Late — A gold loan going to auction isn't instant or silent — RBI's 2026 framework forces every lender through a fixed sequence of written notices, a floor price tied to exchange-verified gold rates, and a mandatory refund of whatever the auction earns beyond your dues. Here's exactly how the process runs, and where a borrower can still step in.- Loan Against Sovereign Gold Bonds (SGB) in India (2026): How It Differs From a Regular Gold Loan — Every rupee of physical gold pledged for a loan gets weighed, assay-tested for purity, and valued at a haircut most borrowers never fully understand. A Sovereign Gold Bond sidesteps all of it — no purity dispute, no locker risk, and a value the lender can't argue with — yet a fraction of gold-loan borrowers know their SGB holdings can be pledged at all.