How to Apply for Gold Loan Online 2026

About This Guide

Gold Loan against gold jewellery. Major lenders: Muthoot Finance, Manappuram, Federal Bank, IIFL, banks (SBI, HDFC, ICICI). LTV up to 75%. Interest 8-26% per annum. Tenure 3-36 months. Quick approval (30 mins). Useful for emergencies.

Eligibility Criteria

• Indian citizen 18+
• Own gold jewellery 18-22 karat
• LTV up to 75% of gold value
• PAN for loan > ₹2L
• No CIBIL/income criteria (most lenders)

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

• Aadhaar
• PAN (for loan > ₹2L)
• Address proof
• Photo
• Gold jewellery (physical)
• Bank account

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Key Benefits

• Quick disbursement (30 mins)
• No CIBIL/income check
• Minimal documentation
• Flexible tenure
• LTV up to 75%
• No usage restrictions
• Gold returned post-payment
• Lower interest than personal loan

What Happens After Application?

30-60 mins disbursement. Pay monthly interest or EMI. Gold safe in lender vault. After full repayment, gold returned.

Frequently Asked Questions

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