Lowest Gold Loan Interest Rates in India 2026
Gold loans are one of the easiest ways to get quick funds by pledging gold jewellery as collateral. Many banks and NBFCs in India offer gold loans with competitive interest rates, flexible repayment options, and minimal documentation.
Key Features of Gold Loans
- Quick loan approval and disbursal
- Lower interest rates compared to personal loans
- Minimal documentation
- Flexible repayment options
- Safe custody of pledged gold
Gold Loan Interest Rates in 2026
| Bank / NBFC | Interest Rate (p.a) | Loan Amount |
|---|---|---|
| State Bank of India | 8.85% | Up to Rs.50 Lakh |
| HDFC Bank | 8.50% onwards | Rs.25,000 onwards |
| Canara Bank | 9.25% | Up to Rs.35 Lakh |
| Federal Bank | 8.99% onwards | Up to Rs.150 Lakh |
| ICICI Bank | 10.00% onwards | Up to Rs.1 Crore |
| Muthoot Finance | 12% onwards | Rs.1,500 onwards |
Documents Required
- Aadhaar / PAN / Voter ID
- Address proof
- Passport-size photo
- Gold jewellery for pledge
Final Thoughts
Gold loans remain a popular financing option in 2026 due to quick processing and lower interest rates. Borrowers should compare interest rates, charges, and repayment options before choosing a lender.
Disclaimer
Interest rates and loan terms may change based on lender policies. Please verify the latest details directly with the bank or NBFC before applying.
