We compare regulated lenders only

Compare gold loans. Pay less interest.

One honest view of rates, charges and fine print across 20+ lenders. Free, instant, no sign-up. Your details go only where you send them.

Compare Gold Loans Switch my loan

No sign-up required
2-minute comparison
No hidden charges

SonaSwitch

Already have a gold loan? Switch. Save lakhs.

If you're paying more than 11% on your gold loan, you're likely overpaying. We'll find you a better rate and handle the switch.

Switch Loan

“Switched my ₹6L loan from 18% to 9.4%. Saved ₹24,500 in one year.”

Rajesh K. Coimbatore

Transferring a gold loan from one bank to another with SonaSwitch

Why trust SonaFin

Compare with Confidence

Built for clarity and transparency. So you can compare and choose with complete confidence.

Compare Loans

Transparent Bank Fees

No hidden charges or surprise costs

RBI-Aligned Comparisons

Easy side-by-side lender comparison.

Verified Lenders

Trusted banks and NBFC partners.

Dedicated Support

Guidance whenever you need help.

How SonaFin works

Three steps. Zero chasing. Full transparency.

Gold loan rates vary wildly across lenders. And most comparison tools are paid to push certain banks. We show you everything, ranked honestly.

Compare Gold Loans

Tell us your needs

Loan amount, gold weight, purity, pincode. Takes two minutes, no sign-up required.

See every offer, side by side

Rates, per gram rate, processing fees, foreclosure charges. All in one place. No selective hiding.

Apply with the lender you pick

We connect you with the lender you choose. No markups on the rate you see.

From The Blog

Simple guides. No Jargon, No Agenda.

100+ schemes

More options across lenders. Mapped to your eligibility.

Personalized recommendations

Best matches based on per gram rate, charges, and timelines.

Switch loan support

Compare switching offers and reduce your effective cost.

Transparent Bank Fees

See fee breakdown and total cost before you proceed.

Explore our Guides

Compare & Save

Compare Top Gold Loan Offers

Side-by-side clarity: interest rate, per gram rate, fees, and tenure.

Lender	Per Gram Rate (LTV)	Tenure	Processing Fee
HDFC Bank Limited	Up to 85%	42 Months	1%	Check
State Bank of India	Up to 72%	36 Months	0.50%	Check
Muthoot Finance Limited	Up to 85%	12 Months	Charges as applicable	Check
Catholic Syrian Bank Limited (CSB)	Up to 75%	12 Months	Up to 1%	Check
Federal Bank Limited	Up to 75%	36 Months	0.25%	Check

Compare All Offers

Loan Planning Tools

Smart Calculators for Better Decisions

Plan your gold loan with instant calculations for EMI, eligibility, and required gold value.

EMI Calculator

Estimate your monthly repayments before you apply

Interest Calculator

Check your monthly interest amount based on loan amount.

Bullet Calculator

No monthly payments. Interest accumulates over the tenure and the entire amount is repaid in one lump sum at the end.

Instant Results

Get real-time calculations in seconds.

Based on Real Lender Criteria

Accurate results using verified lender parameters.

No Personal Data Required

100% secure and private calculations.

Open Calculator →

Testimonials

See Why Customers Choose SonaFin

Rahul S.

Bengaluru

“SonaFin helped me compare multiple lenders in minutes. I found a much better interest rate than my current loan.”

Priya M.

Chennai

4.5

“The comparison was clear and transparent. No hidden charges, just the information I needed to make the right choice.”

Amit K.

Mumbai

“I switched my gold loan through SonaFin and reduced my monthly payments. The process was smooth from start to finish.”

Neha R.

Hyderabad

4.3

“I liked that I could compare trusted lenders in one place instead of visiting each bank individually. It saved me a lot of time.”

Arjun P.

Kochi

4.5

“Simple, fast, and honest. I quickly found an offer with a lower rate and switched without any branch visits.”

The honest FAQ

Everything you need to know before starting.

A gold loan is a secured loan where you pledge gold ornaments or jewellery as collateral in exchange for funds. The lender values your gold, offers a loan amount based on its purity and weight, and returns the gold once you repay. Because it is secured, interest rates are typically far lower than unsecured personal loans.

Most RBI-regulated lenders publish a per gram rate for 22K gold that determines how much you can borrow against your jewellery. The exact loan amount depends on the current rate, the weight of your gold and its purity (22K fetches more than 18K). SonaFin’s calculators estimate your eligible amount instantly.

You typically need one identity proof (Aadhaar, PAN, passport, voter ID or driving licence) and one address proof. Salaried or income documents are usually not required because the loan is secured against your gold. Requirements can vary slightly by lender.

Yes. Regulated banks and NBFCs store your pledged gold in secured, insured vaults and return the exact items on full repayment. SonaFin only lists RBI-regulated lenders with verified storage and handling processes.

SonaFin aggregates rates, per gram rates, processing fees, foreclosure charges and disbursal timelines from 20+ lenders and ranks them by real effective cost. Not headline rate. You compare everything in one honest page, with no paid rankings, and apply directly with the lender you choose.