Gold Loans
Starting at
0.72% per month*
Fixed rate, locked at booking — never changed mid-tenure. Full APR shown upfront. No surprises.
Request a call back — our team will reach you in 15 minutes.
Call us at 1800-123-999-888
Check
Charges
Available
Gram Rate
Terms & Conditions apply*
Our Lending Partners
Trust, Built In
10 ways we're different from every other gold loan
Fixed rates. Full transparency. 24-hour gold release. Real-time ledger. Human support that actually responds.
Rate Lock Guarantee
Your interest rate is fixed for the sanctioned tenure. Cannot be raised without your written consent — contractually.
Total Cost Calculator
Before you commit: exact interest, penalty trigger day, pre-closure cost. Everything in plain numbers.
Real APR Shown
0.72%/mo isn't the whole story. We show full Annual Percentage Rate including processing fee — upfront, not in fine print.
3-Hour Resolution SLA
Every complaint gets a WhatsApp ticket in 5 minutes and a committed 3-hour resolution. Auto-escalates to a senior manager.
Real-Time Ledger
Every rupee broken down live — principal, interest, accrued charges, today's accrual. You can never be surprised.
Multi-Bank Live Offers
HDFC, ICICI, RBL, Bandhan, Unity SFB — compete for your loan. You pick the rate. You're not assigned.
24-Hour Gold Release
Contractual: your gold is returned within 24 hours of full payment, or we pay ₹500/day compensation.
Transfer Existing Loan
Paying more elsewhere? Shift your loan to Bharat Gold Loans — we cover the closing charges.
No Penalty Surprises
Always-visible penalty dashboard: 'Penalty starts in 5 days. Day 3 of grace.' You know exactly where you stand.
Paying too much interest on your existing gold loan?
Switch to Bharat Gold Loans — we cover your closing charges and put you on a lower, locked rate from day one. Same gold. Lower EMI. Better service.
- We pay your closing charges
- Doorstep collection from lender
- Rate locked at 0.72%/mo
- 24-hour switch guarantee
How It Works
Gold loan in 3 simple steps
Book Online
Fill in 2 details and pick a time slot that works for you.
Expert at Your Door
Certified appraiser arrives with testing kit & secure pouch.
Money in Minutes
Gold stored in vault, cash in your account within 30 minutes.
Our Products
Everything gold, one app
Gold Loan
Up to ₹50 Lakh at 0.72%/mo with 75% LTV. Doorstep service.
Gold Locker
Secure vault subscription. Insured by ICICI Lombard.
Gold SIP
Accumulate 24K gold every month. Vault-stored, insured.
Why Bharat Gold Loans
India trusts Bharat Gold Loans for a reason
100% Safe & Insured
Gold insured for full value by ICICI Lombard during transit and in vault.
30-Minute Disbursal
Industry-fastest turnaround from appraisal to bank account.
Bank-Grade Security
Co-lending with leading banks & NBFCs. End-to-end encrypted.
Highest Per Gram Rate
Get the most for your gold — guaranteed best market rate.
Doorstep Service
Certified appraiser visits you. No branch hassle.
Part Release Available
Pay part of your loan, take back specific ornaments.
Loan Calculator
See how much you can borrow
Adjust gold quantity, purity, live 24K market rate, and LTV % — get your loan eligibility instantly.
- • Live IBJA rate factored in
- • Adjust LTV between 50% – 75%
- • Interest at 0.72%/month (~8.64% simple p.a.)
- • Full APR including processing fee shown before booking
RBI allows maximum 75% LTV on gold loans.
You can borrow up to
₹94,738
~₹654/mo interest
Customer Stories
Trusted by Indians Globally
"Got ₹3.5L against my wife's gold in 25 minutes. Appraiser was super professional."
Rajesh K.
Mumbai
"Booked at 10am, money in account by 11am. Couldn't believe how easy it was."
Priya S.
Bengaluru
"Best rates I found. Compared with 3 banks before choosing Bharat Gold Loans."
Anwar M.
Delhi
Unlock cash from your gold today
Doorstep appraisal. Best market rate. Money in 30 minutes.
Customize your gold loan
Required Loan Amount
₹25,00,000
REBATE SCHEME
0.72% / Month
Discounted rate on regular payments
FIXED INTEREST SCHEME*
0.92% / Month
Fixed interest throughout*
interest rates
tenure
on loan closure
Interest rate shown is payable every 30 days
Have any questions?
We understand it's your gold, so we've thought this through.
Bharat Gold Loans offers gold loan services from various banks at rates starting at 0.72%/mo. We ensure speed, convenience and privacy for all our customers. Your gold is also insured by ICICI Lombard.
Step 1: Raise a request and schedule visit
From the gold loans section of your Bharat Gold Loans app, click on "Apply Now" for a new loan. You'll be requested to fill in your mobile number and a requested loan amount. When you submit, a Relationship Manager will reach out to answer any questions you might have. Once you confirm, they'll schedule your appointment.
Step 2: Process loan in 30 minutes
The process involves assaying of your gold ornaments, KYC and filling up 1 application form. It usually takes 30–40 minutes depending on how much gold needs to be assayed. Once the form is submitted, the loan amount is transferred instantly to your bank account.
Step 3: Gold is deposited in vaults by banks till loan closure
Your ornaments are safely taken and deposited in secure lockers till the loan is active. During this time, your gold is kept safely and gets free insurance from ICICI Lombard. You don't have to pay anything for this. Whenever you wish to close your loan or complete instalments, the gold is delivered safely back to you at your location.
Give us a miss call on 1800-123-LOAN for any assistance or more details.