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Gold Loan FAQs

Explore gold loan options with our comprehensive FAQs. Find clear, concise answers to help you secure the one of the best loan terms.

What is the interest of a 1 lakh gold loan?

  • Posted:19th August, 2025
  • Updated:19th August, 2025
The interest payable on a ₹1 lakh gold loan depends on the interest rate offered by the lender and the tenure of the loan.
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Are higher interest rates good or bad for gold?

  • Posted:19th August, 2025
  • Updated:19th August, 2025

Higher interest rates tend to make gold loans more expensive for borrowers. When you pledge your gold to take a loan, the interest you pay is directly affected by the prevailing rates set by lenders. As interest rates rise, your monthly repayments or the total interest outgo also increases, which can make gold loans less appealing if you are looking for affordable borrowing options.

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Will gold loan increase CIBIL™ score?

  • Posted:19th August, 2025
  • Updated:19th August, 2025
Repaying a gold loan on time can definitely help improve your CIBIL™ score and overall credit profile.
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Can gold loan be given on gold bars?

  • Posted:19th August, 2025
  • Updated:19th August, 2025
As of May 2025, you cannot get a gold loan by pledging gold bars, bullion, or any other raw or semi-finished forms of gold.
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Can gold loan become NPA?

  • Posted:19th August, 2025
  • Updated:19th August, 2025
Yes, a gold loan can become a Non-Performing Asset (NPA) if you do not repay the outstanding dues within the agreed period.
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Is there any processing fee for gold loans per gram?

  • Posted:19th August, 2025
  • Updated:19th August, 2025
Yes, most lenders do levy a processing fee when you take a gold loan, including those calculated per gram of gold pledged.
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What documents are required to apply for a gold loan per gram?

  • Posted:19th August, 2025
  • Updated:19th August, 2025
When you apply for a gold loan in India, you’ll need to provide certain documents so the lender can confirm your identity, address, and ownership of the gold you are pledging.
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