A gold loan is one of the fastest ways to get money by pledging your gold jewellery. In 2025, banks and NBFCs are offering instant gold loan approvals, low interest rates, and flexible repayment options with minimal documentation.
Instant Gold Loan Approval Gold Loan Interest Rate Comparison Gold Loan vs Personal Loan Loan Against Gold Jewelry Gold Loan EMI Calculator✅ Types of Gold Loans
1. Instant Gold Loan Approval
Many lenders like Muthoot Finance, Manappuram Finance, SBI provide loans within minutes by evaluating your gold.
2. Gold Loan with Lowest Interest Rate
Some banks offer gold loans starting at just 7%–9% p.a., making it cheaper than personal loans.
3. Gold Loan Without Income Proof
No salary slip or ITR required — only Aadhaar, PAN, and gold ornaments are needed.
4. Loan Against Gold vs Personal Loan
Gold loans are secured and usually have lower interest rates compared to unsecured personal loans.
✅ Documents Required
- Aadhaar & PAN Card
- Passport-size photo
- Gold ornaments (to be pledged)
✅ Final Thoughts
A gold loan is the best option for quick, short-term funds without heavy paperwork. Always compare gold loan interest rates, processing fees, and repayment flexibility before applying.