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gold loan at lowest interest rate


Gold Loan is a type of secured loan also called as loan against gold taken by the customers i.e borrower from the lender i.e Bank or NBFC by pledging their gold jewellery as collateral. The loan amount is decided by the current market value & quality of gold which is generally upto 80 % of the value of the gold. Gold loan is preferred over personal loan & business loan as it has less interest rates & minimum documentation required.





The interest rates are nothing but fees charged on the loan amount taken for a selected loan tenure. Interest rates on Gold loans depend on various factors as mentioned below.

Points to Compare Before Applying Gold Loan

Compare Interest Rates

It is always good to compare the offers of various Banks and NBFCs before you settle for one. Check and compare the interest rates on personal loan offered by various Banks and NBFCs to get the best and cheapest interest rates on Loans4Dreams.Com. Most banks offer completely fixed rate of interest for the entire tenure of the loan. Make sure that the personal loan that you are taking is also fixed for the entire tenure.

Processing Fees

Compare various banks processing fees on the business loan they offer. Most of the banks have processing fees ranging from 0.5 % to 3 % of the loan amount. Higher processing fees can result in significantly high cost on loan hence, it is important to compare rates for a business loan on Loans4Dreams.Com and select the best offer.

Insurance Premium

Some banks may request you to get the insurance policy as it is an unsecured loan. Get the insurance policy that gives you adequate coverage at the lowest premium.

Compare Prepayment and Foreclosure

Everyone wants to repay his loan as soon as possible. Sometimes, you want to repay part of the loan i.e. part prepayment or you may want to repay the entire loan amount before tenure. Banks levy prepayment or foreclosure charges ranging from Nil to 5 %. Hence, it is important to compare the prepayment and foreclosure charges of various banks on Loans4Dreams.Com


gold loan

Frequently Asked Questions

Most frequent questions and answers

What are the advantages of availing a gold loan through Loans4dreams.com ?

  • Fast loan disbursal
  • Customer oriented Services
  • Minimal documentation
  • In-house gold evaluation
  • Get minimum loan amount and  no maximum limit
  • Pre-payment option-with no penalty
  • Strong rooms put in place for providing safe custody of gold ornaments
  • Prompt customer service within a shorter response time

Who is eligible to avail a Gold Loan?

Any major Indian citizen is eligible to avail a loan from us. All they are required to do is provide the required documents along with the gold ornaments.If you wish to apply for a gold loan with us.


How and when can I get back the pledged gold jewellery/ornaments from us?

You will receive back the gold which you pledge with Bank after you repay the loan and therefore the complete amount. If you fail to repay the loan, then Bank will reluctantly auction an equivalent . The borrowers will receive periodical reminders for payment of overdue interest and after the tenure of the loan, a final Notice before the auction.

Another important thing to understand about the gold loan offered by us is that the pledged gold is required to be collected from the branch where it had been initially pledged also as stored.

How can I repay my loan at Muthoot Finance? What different options are available for the repayment?

You can repay your loan at any of our branches by cheque, cash, or debit cards (please note that demand drafts and credit cards are not accepted). You can even repay your loan against gold online