ℹ Market benchmark (Gold Loan): Secured against gold jewellery. PSU banks: 8.5%–9.5%. Private banks: 9.5%–13%. NBFCs (Muthoot, IIFL): up to 24%. Fair range for bank loans: 9.5%–13% p.a.

Your Gold Loan Details

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Loan Amount?The amount you borrowed against your gold. Usually 75%–85% of your gold's market value.

Your Interest Rate (% p.a.)?The annual interest rate on your gold loan. Check your loan agreement or the letter from your lender.

Loan Tenure?Duration of your gold loan. Gold loans are typically short — 3 months to 36 months.

Tenure Unit?Choose whether your loan tenure is in months or years.

Lender Name?Optional. The bank or NBFC you took the gold loan from — e.g. SBI, Muthoot, IIFL.

Gold Weight (grams)?Optional. The weight of gold you pledged. Helps us show your loan-to-value ratio.

Extra interest over full tenure

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vs fair market rate

Rate difference

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Your EMI

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what you pay monthly

Fair Market EMI

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what you should pay

Monthly Overpayment

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extra per month

🥇 Gold Loan Breakdown

Your Rate—

Fair Market Rate (PSU Banks)9.5% p.a.

Your Total Interest—

Fair Market Total Interest—

Extra Interest Paid—

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RBI-based benchmarks

Gold loan benchmarks sourced from RBI data and lender rate cards. Updated regularly.

Rates last checked: March 2026 · View RBI rate history →

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🥇 Gold Loan Breakdown

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RBI-based benchmarks

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Your Gold Loan Details

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🥇 Gold Loan Breakdown

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RBI-based benchmarks

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Is Your Gold Loan
Overpriced?