Lenders in India now offer multiple repayment structures for gold loans depending on borrower liquidity. Standard EMIs divide principal and interest over 3-to-24-month tenures, while bullet repayment allows full payment at maturity—ideal for short-term cash needs. Interest-only plans, popular among traders and farmers, require periodic interest servicing with principal cleared later. Experts advise comparing total interest outgo, foreclosure flexibility and re-pledge terms before finalising a plan. Choosing the right mode ensures cost-efficiency and protects pledged assets.