Estimate Your Gold Loan Monthly Repayment Instantly
Use our smart calculator to estimate your monthly EMI, total interest, and repayment amount instantly. Compare gold loan offers from top lenders and make informed borrowing decisions.
Top Lenders
A lightweight, trustworthy set of partner lenders designed to help you compare in seconds.
HDFC Bank
Manappuram Finance Ltd
Canara Bank
Indian Bank
How Your Repayment Option Works
Choose the repayment method that best fits your financial goals. Understand how each option affects your monthly payments and overall loan cost before you decide.
EMI Repayment
Pay a fixed amount every month covering both principal and interest. Your balance reduces each month and the loan is fully cleared by the end of tenure.
Monthly Interest Payments
Pay only the interest each month; the principal stays the same. The full loan amount is repaid as a lump sum when the tenure ends.
Bullet Repayment
No monthly payments at all. Interest accumulates over the tenure and the entire amount is repaid in one lump sum at the end.
Gold Loan Calculator
Plan your gold loan with instant calculations for EMI, eligibility, and required gold value.
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.