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Best Gold Loan Companies in India 2025 Interest Rate Comparison
Top gold loan providers include Muthoot, Manappuram and IIFL; borrowers should compare rates, processing fees and repayment flexibility.
India’s gold loan market is led by NBFCs such as Muthoot Finance, Manappuram Finance and IIFL Finance, alongside banks like HDFC Bank and SBI. Rates vary between 8.5 percent and 18 percent annually depending on loan-to-value and tenure. NBFCs dominate shorter-tenure loans, while banks attract salaried customers with lower interest rates. Borrowers should compare processing fees, part-payment options and online renewals before finalizing a lender. Digital verification and doorstep evaluation services have also streamlined the disbursement process, boosting transparency and accessibility across urban and rural markets.