Borrowers opting to foreclose gold loans can save significantly on interest outgo by clearing dues before the scheduled tenure ends. Most banks and NBFCs allow early closure anytime after three months, subject to nominal foreclosure fees between 1 percent and 3 percent. On full repayment, lenders release the pledged gold within 48 hours. Experts recommend checking clause details in loan agreements and obtaining a no-dues certificate to prevent record disputes. Early repayment enhances credit profiles and ensures timely retrieval of pledged jewelry.