Gold loans report
AI visibility and ranking report
- Industry
- Non-banking financial services
- Sub-industry
- Gold loans
- Country
- India
- Published
- Q3-CY26
- Categories
- 5
- Questions
- 25
- Citations
- 375
- Domains
- 98
Disclaimer: This is original research data created using AI simulations, so treat it as an opinion piece rather than a statement of fact. AI models can make mistakes, and the figures here reflect what engines returned on the run date. Do your own research before you make any decision based on it.
Executive summary
AI answer engines now sit between a borrower and the gold they pledge. We ran 25 questions across five categories with live web search, then recorded every organisation named and every source cited. The run produced 375 citations from 98 domains.
IIFL Finance leads on 68.8 percent, named on 21 of the 25 questions and first in three of the five categories. Muthoot Finance follows on 50.4 and Shriram Finance on 32.0. Only 23 organisations are named in the whole run.
One domain, iifl.com, supplies 58 of the 375 citations. Muthoot Finance is named first on more questions than IIFL, eight against seven, yet ranks second, because IIFL appears somewhere in almost every answer.
Top 10 brands by AI visibility score
| # | Brand | Type | Visibility | Share |
|---|---|---|---|---|
| 1 | IIFL Finance | Gold loan NBFC | 68.8% | |
| 2 | Muthoot Finance | Gold loan NBFC | 50.4% | |
| 3 | Shriram Finance | NBFC | 32.0% | |
| 4 | Manappuram Finance | Gold loan NBFC | 28.8% | |
| 5 | RBI | Regulator | 19.2% | |
| 6 | ICICI Bank | Private sector bank | 13.6% | |
| 7 | HDFC Bank | Private sector bank | 12.0% | |
| 8 | Bajaj Finance | NBFC | 11.2% | |
| 9 | Poonawalla Fincorp | NBFC | 11.2% | |
| 10 | State Bank of India | Public sector bank | 8.8% |
Visibility score method: each question ranks five entities. Rank one earns 1.00 point, rank two 0.80, down to 0.20 for rank five. Scores are totalled across 25 questions and divided by 25. Every entity named is ranked, whatever its type.
Type shows what kind of organisation each entity is. Three of the names here do not lend at all: the regulator, the credit bureau and the ombudsman. All are ranked, because all take up space in the answer a borrower reads.
Top 25 cited domains
These are the 25 domains cited most often across all 375 citations. The field is narrow: 98 domains in total, and the top source alone carries 58 citations, more than one in every seven on the whole run.
| # | Domain | Citations | Share | Citation volume |
|---|---|---|---|---|
| 1 | iifl.com | 58 | 15.5% | |
| 2 | shriramfinance.in | 32 | 8.5% | |
| 3 | muthootfinance.com | 24 | 6.4% | |
| 4 | airtel.in | 20 | 5.3% | |
| 5 | manappuram.com | 18 | 4.8% | |
| 6 | poonawallafincorp.com | 15 | 4.0% | |
| 7 | bajajfinserv.in | 12 | 3.2% | |
| 8 | ltfinance.com | 10 | 2.7% | |
| 9 | kosamattam.com | 9 | 2.4% | |
| 10 | bankbazaar.com | 7 | 1.9% | |
| 11 | adityabirlacapital.com | 6 | 1.6% | |
| 12 | hdfc.bank.in | 6 | 1.6% | |
| 13 | icici.bank.in | 6 | 1.6% | |
| 14 | indiagold.co | 6 | 1.6% | |
| 15 | ujjivansfb.bank.in | 6 | 1.6% | |
| 16 | utkarsh.bank.in | 6 | 1.6% | |
| 17 | cleartax.in | 5 | 1.3% | |
| 18 | paisabazaar.com | 5 | 1.3% | |
| 19 | quora.com | 5 | 1.3% | |
| 20 | creditmantri.com | 4 | 1.1% | |
| 21 | federal.bank.in | 4 | 1.1% | |
| 22 | moneyview.in | 4 | 1.1% | |
| 23 | mymoneymantra.com | 4 | 1.1% | |
| 24 | upstox.com | 4 | 1.1% | |
| 25 | axis.bank.in | 3 | 0.8% |
Categories and why we chose them
These five categories follow a borrower from choosing a lender to getting the gold back. Each one drives real search demand, carries commercial value for a lender, and forces an engine to name specific brands rather than give general advice.
| # | Category name | Reason for selection |
|---|---|---|
| 1 | Choosing a gold loan lender | The lender is chosen before the gold leaves the house, and the choice is usually between two or three names a borrower already trusts. Whoever an engine puts first on these questions wins a customer who has not yet walked into a branch. |
| 2 | Gold value and loan amount | How much money the gold is worth is the first thing anyone asks, and the answer changed this year when the loan to value ceiling was raised for smaller loans. High demand, high intent, and a rule most published pages have not caught up with. |
| 3 | Cost, interest and repayment | Gold loan pricing is unusually wide, from about 8.5 percent at a bank to near 30 at some NBFCs, and the repayment structure differs from every other loan. A lender that explains both earns the borrower still comparing. |
| 4 | Applying and keeping gold safe | Handing over family jewellery is the part that worries people most. These questions are about trust rather than price, and they are the ones where a lender can win by describing its own vault, process and timing. |
| 5 | Default, auction and getting gold back | Losing pledged gold is the worst outcome in consumer lending, and the rules around it are detailed and recent. These questions carry the most fear and the least marketing, which makes them the easiest to win with a plain answer. |
Category 1 of 5
Choosing a gold loan lender
This category covers the choice of lender. The five questions ask which bank charges least, whether Muthoot or Manappuram is better, whether to use a bank or an NBFC, which app is best, and how a gold loan compares with a personal loan.
Top 5 brands
| # | Brand | Type | Visibility | Share |
|---|---|---|---|---|
| 1 | Muthoot Finance | Gold loan NBFC | 64.0% | |
| 2 | IIFL Finance | Gold loan NBFC | 44.0% | |
| 3 | State Bank of India | Public sector bank | 28.0% | |
| 4 | ICICI Bank | Private sector bank | 28.0% | |
| 5 | Manappuram Finance | Gold loan NBFC | 28.0% |
Top 10 cited domains
| # | Domain | Citations | Share | Citation volume |
|---|---|---|---|---|
| 1 | iifl.com | 5 | 6.7% | |
| 2 | creditmantri.com | 3 | 4.0% | |
| 3 | muthootfinance.com | 3 | 4.0% | |
| 4 | play.google.com | 3 | 4.0% | |
| 5 | 24moneypulse.com | 2 | 2.7% | |
| 6 | bankbazaar.com | 2 | 2.7% | |
| 7 | creditlink.in | 2 | 2.7% | |
| 8 | fincash.com | 2 | 2.7% | |
| 9 | indiagold.co | 2 | 2.7% | |
| 10 | kosamattam.com | 2 | 2.7% |
Question level summary
| # | Question | Top 5 brands | Top 5 citation domains |
|---|---|---|---|
| 1.1 | Which bank gives the lowest gold loan interest rate in India? |
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| 1.2 | Is Muthoot or Manappuram better for a gold loan? |
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| 1.3 | Should I take a gold loan from a bank or an NBFC? |
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| 1.4 | Which is the best gold loan app in India? |
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| 1.5 | Is a gold loan better than a personal loan? |
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Question 1.1
Which bank gives the lowest gold loan interest rate in India?
Five banks and not one NBFC, because the question says bank. Public sector lenders start near 8.5 percent, well below the NBFC range, and a tax filing site is cited ahead of every lender's own page.
Top 5 brands named
- Rank 1State Bank of India
- Rank 2HDFC Bank
- Rank 3ICICI Bank
- Rank 4Axis Bank
- Rank 5Punjab National Bank
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | cleartax.in | https://cleartax.in/s/gold-loan-interest-rates | Click here |
| 2 | moneyview.in | https://moneyview.in/loan-insights/best-lowest-gold-loan-interest-rate-banks-in-india | Click here |
| 3 | axis.bank.in | https://www.axis.bank.in/loans/gold-loan/interest-rates-charges | Click here |
| 4 | fincash.com | https://www.fincash.com/l/loan/gold-loan-interest-rates | Click here |
| 5 | finseich.com | https://finseich.com/blog/gold-loan-interest-rates-india-2026 | Click here |
| 6 | indianbanker.com | https://indianbanker.com/loans/gold-loan-interest-rate/ | Click here |
| 7 | mymoneymantra.com | https://www.mymoneymantra.com/lowest-gold-loan-interest-rate | Click here |
| 8 | creditmantri.com | https://www.creditmantri.com/top-10-banks-for-gold-loans-india/ | Click here |
| 9 | bankbazaar.com | https://www.bankbazaar.com/personal-loan/gold-loan-interest-rates.html | Click here |
| 10 | openpr.com | https://www.openpr.com/news/4628751/top-10-best-banks-offering-low-gold-loan-interest-rates-in-india | Click here |
| 11 | finobay.com | https://finobay.com/list-of-top-gold-loan-firms-in-india/ | Click here |
| 12 | bankofmaharashtra.bank.in | https://bankofmaharashtra.bank.in/gold-loan | Click here |
| 13 | creditlink.in | https://creditlink.in/lowest-gold-loan-interest-rate-bank-vs-nbfc/ | Click here |
| 14 | msn.com | https://www.msn.com/en-in/money/topstories/lowest-gold-loan-interest-rates-in-2025-compare-rates-from-sbi-pnb-hdfc-bank-icici-bank-and-others/ar-AA1O4aaA | Click here |
| 15 | buddyloan.com | https://www.buddyloan.com/gold-loan-interest-rates | Click here |
Question 1.2
Is Muthoot or Manappuram better for a gold loan?
A question naming two brands returns those two brands, in that order. The first citation is a Quora thread, which is what happens when a comparison people actually argue about has no authoritative page to answer it.
Top 5 brands named
- Rank 1Muthoot Finance
- Rank 2Manappuram Finance
- Rank 3IIFL Finance
- Rank 4State Bank of India
- Rank 5indiagold
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | quora.com | https://www.quora.com/Which-is-better-muthoot-or-manappuram | Click here |
| 2 | 24moneypulse.com | https://24moneypulse.com/muthoot-finance-vs-manappuram-gold-loan/ | Click here |
| 3 | tradebrains.in | https://tradebrains.in/money/muthoot-vs-manappuram-vs-sbi-which-offers-the-best-gold-loan-in-2026/ | Click here |
| 4 | 24moneypulse.com | https://24moneypulse.com/gold-loan-muthoot-finance-vs-manappuram-finance/ | Click here |
| 5 | finideamarket.com | https://www.finideamarket.com/2025/07/gold-loan-providers-in-india-muthoot-vs-manappuram.html | Click here |
| 6 | fininformatory.in | https://www.fininformatory.in/2025/03/muthoot-vs-manappuram-gold-loan-which-one-is-best-for-you.html | Click here |
| 7 | financebelong.com | https://www.financebelong.com/why-muthoot-manappuram-gold-loan-beats-others-for-3-months/ | Click here |
| 8 | creditmantri.com | https://www.creditmantri.com/article-what-is-the-difference-between-muthoot-and-manappuram-gold-loan/ | Click here |
| 9 | indiagold.co | https://indiagold.co/gold-loan/compare/muthoot-finance-vs-manappuram | Click here |
| 10 | indiagold.co | https://indiagold.co/blogs/iifl-vs-muthoot-vs-manappuram-gold-loans | Click here |
| 11 | mymudra.com | https://www.mymudra.com/blog/muthoot-finance-gold-loan-interest-rate | Click here |
| 12 | scribd.com | https://www.scribd.com/document/333794487/Annu-Singh-Final | Click here |
| 13 | paisabazaar.com | https://www.paisabazaar.com/gold-loan/four-leading-non-banking-financial-companies-you-should-consider-for-a-gold-loan/ | Click here |
| 14 | karostartup.com | https://www.karostartup.com/general/how-to-choose-the-best-gold-loan-nbfcs-in-india | Click here |
| 15 | businessupturn.com | https://www.businessupturn.com/brand-post/how-to-choose-the-best-gold-loan-nbfcs-in-india/ | Click here |
Question 1.3
Should I take a gold loan from a bank or an NBFC?
IIFL Finance takes three of the first five citations on a question about whether to use an NBFC at all. The regulator ranks fourth, since the real difference between a bank and an NBFC here is which rules apply.
Top 5 brands named
- Rank 1IIFL Finance
- Rank 2Muthoot Finance
- Rank 3Manappuram Finance
- Rank 4RBI
- Rank 5Kosamattam Finance
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | muthootfinance.com | https://www.muthootfinance.com/blog/comparing-gold-loans-banks-vs-nbfcs-which-should-you-choose | Click here |
| 2 | iifl.com | https://www.iifl.com/blogs/gold-loan/banks-vs-nbfc-rules-gold-loan | Click here |
| 3 | iifl.com | https://www.iifl.com/blogs/gold-loan/bank-vs-nbfc-gold-loan-rules | Click here |
| 4 | saigoldogl.com | https://www.saigoldogl.com/nbfc-vs-bank-gold-loan/ | Click here |
| 5 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-loan-comparison-2026 | Click here |
| 6 | vizzve.com | https://vizzve.com/blog/choosing-between-a-bank-or-nbfc-gold-loan-in-2026 | Click here |
| 7 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2026/comparing-gold-loan-schemes-from-nationalised-banks-vs-nbfcs | Click here |
| 8 | manappuram.com | https://www.manappuram.com/blogs/nbfc-gold-loans-vs-bank-gold-loans | Click here |
| 9 | klmaxiva.com | https://klmaxiva.com/blog/gold-loan-bank-vs-nbfc/23 | Click here |
| 10 | codeforbanks.com | https://www.codeforbanks.com/banks/blog/bank-versus-nbfc-gold-loan/ | Click here |
| 11 | kosamattam.com | https://www.kosamattam.com/blogs/rbi-gold-loan-rules-2026/ | Click here |
| 12 | kosamattam.com | https://www.kosamattam.com/blogs/why-do-different-nbfcs-offer-different-interest-rates-on-gold-loans/ | Click here |
| 13 | iifl.com | https://www.iifl.com/blogs/gold-loan/goldloan-comparison-2026 | Click here |
| 14 | creditlink.in | https://creditlink.in/lowest-gold-loan-interest-rate-bank-vs-nbfc/ | Click here |
| 15 | goldmap.in | https://goldmap.in/learn/gold-loan-guide | Click here |
Question 1.4
Which is the best gold loan app in India?
Two fintechs lead, and two of the first five citations are Google Play listings. Rupeek appears nowhere else in the report, so the word app changes the answer completely and brings in names no other question surfaces.
Top 5 brands named
- Rank 1Rupeek
- Rank 2indiagold
- Rank 3IIFL Finance
- Rank 4Muthoot Finance
- Rank 5Bajaj Finance
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | rupeek.com | https://rupeek.com/ | Click here |
| 2 | play.google.com | https://play.google.com/store/apps/details?id=co.indiagold.gold.buy.loan&hl=en_IN | Click here |
| 3 | play.google.com | https://play.google.com/store/apps/details?id=com.iifl.mobile.hfc&hl=en_IN | Click here |
| 4 | airtel.in | https://www.airtel.in/blog/gold-loan/top-gold-loan-companies-india/ | Click here |
| 5 | stashfin.com | https://www.stashfin.com/blogs/gold-loans-in-india-guide | Click here |
| 6 | paisaseekho.in | https://paisaseekho.in/investment/top-gold-loan-companies-in-india/ | Click here |
| 7 | forbes.com | https://www.forbes.com/advisor/in/gold-loan/ | Click here |
| 8 | creditmantri.com | https://www.creditmantri.com/top-10-banks-for-gold-loans-india/ | Click here |
| 9 | onecreditscore.in | https://www.onecreditscore.in/post/best-gold-loan-apps-in-india-features-benefits-and-top-choices | Click here |
| 10 | muthootfinance.com | https://www.muthootfinance.com/gold-loan | Click here |
| 11 | iifl.com | https://www.iifl.com/gold-loans | Click here |
| 12 | bajajfinserv.in | https://www.bajajfinserv.in/gold-loan | Click here |
| 13 | mymoneymantra.com | https://www.mymoneymantra.com/blog/top-10-gold-loan-companies-in-india-interest-rates-and-benefits | Click here |
| 14 | rupeek.com | https://rupeek.com/blog/top-5-gold-loan-companies-in-india-which-one-should-you-choose/ | Click here |
| 15 | play.google.com | https://play.google.com/store/apps/details/Doorstep_Gold_loan_Rupeek_app?id=com.rupeek.customer&hl=en_SG | Click here |
Question 1.5
Is a gold loan better than a personal loan?
A comparison question pulls in banks, because banks make the argument that a gold loan is cheaper. Tata Capital supplies the first citation and ranks fourth, despite having entered gold lending only in 2026.
Top 5 brands named
- Rank 1Muthoot Finance
- Rank 2ICICI Bank
- Rank 3Bank of Baroda
- Rank 4Tata Capital
- Rank 5HDFC Bank
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | tatacapital.com | https://www.tatacapital.com/blog/personal-use-loan/gold-loan-vs-personal-loan-which-is-a-better-option/ | Click here |
| 2 | moneyview.in | https://moneyview.in/loan-insights/which-option-is-better-gold-loan-vs-personal-loan | Click here |
| 3 | bankofbaroda.bank.in | https://bankofbaroda.bank.in/banking-mantra/loans-borrowings/articles/gold-loan-vs-personal-loan-which-is-better-and-why | Click here |
| 4 | icici.bank.in | https://www.icici.bank.in/personal-banking/blogs/loan/gold-loan/gold-loan-personal-loan-your-needs | Click here |
| 5 | indelmoney.com | https://indelmoney.com/blog/gold-loan-or-personal-loan-comparison | Click here |
| 6 | bankbazaar.com | https://www.bankbazaar.com/personal-loan/personal-loan-vs-gold-loan.html | Click here |
| 7 | smfgindiacredit.com | https://www.smfgindiacredit.com/infographics/gold-loan-or-personal-loan.aspx | Click here |
| 8 | muthootfinance.com | https://www.muthootfinance.com/blog/gold-loan-vs-personal-loan-which-is-better-and-why | Click here |
| 9 | ltfinance.com | https://www.ltfinance.com/blog/gold-loan/gold-loan-vs-personal-loan-which-is-better | Click here |
| 10 | cholamandalam.com | https://www.cholamandalam.com/blog/gold-loan-vs-personal-loan:-which-one-to-go-for | Click here |
| 11 | stashfin.com | https://www.stashfin.com/blogs/choosing-between-gold-loans-and-personal-loans-a-quick-guide | Click here |
| 12 | spare8.com | https://spare8.com/finance-blogs-india/gold-loan-vs-personal-loan | Click here |
| 13 | financebuddha.com | https://www.financebuddha.com/blogs/personal-loan-vs-gold-loan-which-financial-solution-fits-your-2026-goals/ | Click here |
| 14 | business-standard.com | https://www.business-standard.com/amp/article/free-newsletter/a-snapshot-of-gold-loan-rates-offered-by-various-banks-and-other-details-119032200095_1.html | Click here |
| 15 | fincash.com | https://www.fincash.com/l/loan/gold-loan | Click here |
Category 2 of 5
Gold value and loan amount
These questions are about the gold itself. How much a borrower gets for ten grams, the rate per gram today, the loan to value ceiling, whether stone studded jewellery counts, and how a lender checks purity.
Top 5 brands
| # | Brand | Type | Visibility | Share |
|---|---|---|---|---|
| 1 | Muthoot Finance | Gold loan NBFC | 72.0% | |
| 2 | IIFL Finance | Gold loan NBFC | 56.0% | |
| 3 | Manappuram Finance | Gold loan NBFC | 36.0% | |
| 4 | Aditya Birla Capital | NBFC | 24.0% | |
| 5 | Shriram Finance | NBFC | 24.0% |
Top 10 cited domains
| # | Domain | Citations | Share | Citation volume |
|---|---|---|---|---|
| 1 | iifl.com | 10 | 13.3% | |
| 2 | muthootfinance.com | 7 | 9.3% | |
| 3 | bajajfinserv.in | 5 | 6.7% | |
| 4 | manappuram.com | 5 | 6.7% | |
| 5 | poonawallafincorp.com | 5 | 6.7% | |
| 6 | shriramfinance.in | 5 | 6.7% | |
| 7 | adityabirlacapital.com | 4 | 5.3% | |
| 8 | airtel.in | 3 | 4.0% | |
| 9 | bankbazaar.com | 3 | 4.0% | |
| 10 | canarabank.bank.in | 2 | 2.7% |
Question level summary
| # | Question | Top 5 brands | Top 5 citation domains |
|---|---|---|---|
| 2.1 | How much loan can I get for 10 grams of gold in India? |
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| 2.2 | What is the gold loan per gram rate today in India? |
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| 2.3 | What is the maximum loan to value allowed on a gold loan in India? |
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| 2.4 | Can I get a gold loan on jewellery that has stones in it? |
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| 2.5 | How does the lender check gold purity for a gold loan? |
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Question 2.1
How much loan can I get for 10 grams of gold in India?
The honest answer moves daily with the gold price, so every cited page is a calculator rather than a figure. Muthoot Finance leads, and the loan works out near 85 percent of the gold value for a small loan.
Top 5 brands named
- Rank 1Muthoot Finance
- Rank 2IIFL Finance
- Rank 3Bajaj Finance
- Rank 4Manappuram Finance
- Rank 5HDFC Bank
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | bajajfinserv.in | https://www.bajajfinserv.in/how-much-loan-can-i-get-for-1-gram-gold | Click here |
| 2 | iifl.com | https://www.iifl.com/blogs/gold-loan/how-much-loan-on-10-grams-of-gold-in-2026 | Click here |
| 3 | muthootfinance.com | https://www.muthootfinance.com/gold-loan/calculator | Click here |
| 4 | manappuram.com | https://www.manappuram.com/gold-loan/gold-loan-per-gram | Click here |
| 5 | iifl.com | https://www.iifl.com/gold-loans/calculator | Click here |
| 6 | hdfc.bank.in | https://www.hdfc.bank.in/gold-loan/eligibility-calculator | Click here |
| 7 | axis.bank.in | https://www.axis.bank.in/calculators/gold-loan-calculator | Click here |
| 8 | quora.com | https://www.quora.com/How-much-gold-is-loaned-per-10-grams | Click here |
| 9 | poonawallafincorp.com | https://poonawallafincorp.com/gold-loan/gold-loan-calculator | Click here |
| 10 | bankofbaroda.bank.in | https://bankofbaroda.bank.in/calculators/gold-loan-calculator | Click here |
| 11 | bajajfinserv.in | https://www.bajajfinserv.in/understanding-gold-loan-per-gram | Click here |
| 12 | canarabank.bank.in | https://www.canarabank.bank.in/value-per-gram-of-22-karat-gold-for-determination-of-ltv-ratio | Click here |
| 13 | muthootfinance.com | https://www.muthootfinance.com/gold-loan/gold-loan-per-gram | Click here |
| 14 | federal.bank.in | https://www.federal.bank.in/gold-loan-rate-per-gram | Click here |
| 15 | icici.bank.in | https://www.icici.bank.in/personal-banking/loans/gold-loan/calculator | Click here |
Question 2.2
What is the gold loan per gram rate today in India?
Four of the five names publish a rate that updates every day, which is why they rank. Federal Bank and Kosamattam Finance appear here and almost nowhere else, on the strength of a single live rate page each.
Top 5 brands named
- Rank 1Muthoot Finance
- Rank 2Manappuram Finance
- Rank 3Federal Bank
- Rank 4Kosamattam Finance
- Rank 5State Bank of India
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | muthootfinance.com | https://www.muthootfinance.com/gold-loan/gold-loan-per-gram | Click here |
| 2 | manappuram.com | https://www.manappuram.com/gold-loan/gold-loan-per-gram | Click here |
| 3 | federal.bank.in | https://www.federal.bank.in/gold-loan-rate-per-gram | Click here |
| 4 | kosamattam.com | https://www.kosamattam.com/gold-rate/ | Click here |
| 5 | ratestoday.in | https://ratestoday.in/gold-loan-interest-rate/ | Click here |
| 6 | muthootfinance.com | https://www.muthootfinance.com/gold-rate-today | Click here |
| 7 | bankbazaar.com | https://www.bankbazaar.com/gold-rate-india.html | Click here |
| 8 | iifl.com | https://www.iifl.com/gold-loans/calculator | Click here |
| 9 | bankbazaar.com | https://www.bankbazaar.com/personal-loan/gold-loan-interest-rates.html | Click here |
| 10 | adityabirlacapital.com | https://www.adityabirlacapital.com/abc-of-money/how-to-calculate-gold-loan-per-gram-rate | Click here |
| 11 | canarabank.bank.in | https://www.canarabank.bank.in/value-per-gram-of-22-karat-gold-for-determination-of-ltv-ratio | Click here |
| 12 | ratestoday.in | https://ratestoday.in/gold-loan-interest-rate/sbi/ | Click here |
| 13 | indiagold.co | https://indiagold.co/blogs/sbi-gold-loan-per-gram-rate | Click here |
| 14 | cleartax.in | https://cleartax.in/s/gold-loan-interest-rates | Click here |
| 15 | indiagold.co | https://indiagold.co/gold-loan/compare/muthoot-finance-vs-manappuram | Click here |
Question 2.3
What is the maximum loan to value allowed on a gold loan in India?
The regulator leads because the answer is a rule. Since April 2026 the ceiling is 85 percent for loans up to 2.5 lakh rupees, 80 percent up to 5 lakh and 75 percent above that, replacing the old flat 75.
Top 5 brands named
- Rank 1RBI
- Rank 2IIFL Finance
- Rank 3Muthoot Finance
- Rank 4Aditya Birla Capital
- Rank 5Ujjivan SFB
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | ujjivansfb.bank.in | https://www.ujjivansfb.bank.in/banking-blogs/gold-loan/gold-loan-ltv-ratio-explained | Click here |
| 2 | adityabirlacapital.com | https://www.adityabirlacapital.com/abc-of-money/maximum-ltv-under-gold-loan | Click here |
| 3 | muthootfinance.com | https://www.muthootfinance.com/blog/how-much-loan-can-you-get-on-gold-rbi-rules | Click here |
| 4 | airtel.in | https://www.airtel.in/blog/gold-loan/rbi-gold-loan-policy-changes-what-it-means-for-you/ | Click here |
| 5 | poonawallafincorp.com | https://poonawallafincorp.com/blogs/gold-loan/how-much-gold-loan-can-you-get-ltv-ratio-calculation-methods | Click here |
| 6 | bajajfinserv.in | https://www.bajajfinserv.in/ltv-ratio-for-gold-loan | Click here |
| 7 | bankbazaar.com | https://www.bankbazaar.com/personal-loan/ltv-ratio-for-gold-loan.html | Click here |
| 8 | ltfinance.com | https://www.ltfinance.com/blog/gold-loan/rbi-guidelines-on-gold-loans | Click here |
| 9 | iifl.com | https://www.iifl.com/blogs/gold-loan/rbi-guidelines-for-loan-to-value-ratio-for-gold-loans | Click here |
| 10 | stashfin.com | https://www.stashfin.com/blogs/gold-loans-in-india-guide | Click here |
| 11 | upstox.com | https://upstox.com/learning-center/personal-finance/rbi-gold-loan-rules-2026/article-1545/ | Click here |
| 12 | kosamattam.com | https://www.kosamattam.com/blogs/rbi-gold-loan-rules-2026/ | Click here |
| 13 | iifl.com | https://www.iifl.com/blogs/gold-loan/old-vs-new-gold-loan-rules | Click here |
| 14 | iifl.com | https://www.iifl.com/blogs/gold-loan/what-is-the-maximum-gold-loan-amount-you-can-get-in-india-in-2026 | Click here |
| 15 | ey.com | https://www.ey.com/en_in/insights/strategy-transactions/rbi-gold-loan-guidelines-2025-impact-assessment-and-key-changes | Click here |
Question 2.4
Can I get a gold loan on jewellery that has stones in it?
Only the gold is valued, never the stones or the making charge, and every ranked lender says so on its own page. Five NBFCs and no bank, because banks rarely write about the awkward edges of the product.
Top 5 brands named
- Rank 1Muthoot Finance
- Rank 2IIFL Finance
- Rank 3Manappuram Finance
- Rank 4Poonawalla Fincorp
- Rank 5Shriram Finance
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | muthootfinance.com | https://www.muthootfinance.com/blog/what-types-of-gold-items-can-be-used-for-gold-loans | Click here |
| 2 | iifl.com | https://www.iifl.com/blogs/gold-loan/types-of-gold-items-for-gold-loan | Click here |
| 3 | poonawallafincorp.com | https://poonawallafincorp.com/blogs/gold-loan/understanding-stone-weight-and-gold-weight-how-lenders-calculate-value | Click here |
| 4 | muthootfinance.com | https://www.muthootfinance.com/blog/what-elements-go-into-valuing-gold-for-a-gold-loan | Click here |
| 5 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-weight-vs-net-gold-weight-gold-loan-value | Click here |
| 6 | manappuram.com | https://www.manappuram.com/blogs/types-of-gold-eligible-for-gold-loan | Click here |
| 7 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2026/how-can-i-get-a-gold-loan-against-diamond-jewellery | Click here |
| 8 | whitegold.money | https://whitegold.money/faqs/release-gold-faqs/will-stone-weight-in-jewellery-be-deducted/ | Click here |
| 9 | quora.com | https://www.quora.com/Can-I-get-a-loan-against-my-gold-jewellery | Click here |
| 10 | samridhya.com | https://samridhya.com/blog/gold-loan-eligibility-criteria-purity-jewelry-accepted-items | Click here |
| 11 | manappuram.com | https://www.manappuram.com/gold-loan/jewel-loan | Click here |
| 12 | cleartax.in | https://cleartax.in/s/rbi-new-gold-loan-rules | Click here |
| 13 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2025/key-rbi-proposals-on-gold-loan-rules-and-what-they-mean-for-borrowers | Click here |
| 14 | ltfinance.com | https://www.ltfinance.com/blog/gold-loan/rbi-rules-for-gold-loan | Click here |
| 15 | iifl.com | https://www.iifl.com/blogs/gold-loan/how-to-calculate-gold-price-for-jewellery | Click here |
Question 2.5
How does the lender check gold purity for a gold loan?
Shriram Finance leads a question none of the biggest gold lenders bothered to answer well. The Reserve Bank of India sets no minimum purity, so the commonly quoted 18 to 22 carat range is lender policy rather than a rule.
Top 5 brands named
- Rank 1Shriram Finance
- Rank 2Aditya Birla Capital
- Rank 3Poonawalla Fincorp
- Rank 4IIFL Finance
- Rank 5Bajaj Finance
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | adityabirlacapital.com | https://www.adityabirlacapital.com/abc-of-money/gold-loan-appraisal | Click here |
| 2 | shriramfinance.in | https://www.shriramfinance.in/financial-faq-how-is-the-purity-of-gold-verified-before-sanctioning-the-loan | Click here |
| 3 | poonawallafincorp.com | https://poonawallafincorp.com/blogs/gold-loan/how-gold-purity-is-tested-methods-used-by-banks-and-gold-loan-companies | Click here |
| 4 | iifl.com | https://www.iifl.com/blogs/gold-loan/xrf-vs-touchstone-gold-purity-testing-for-loans | Click here |
| 5 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2026/how-to-check-gold-purity-at-home-before-pledging-for-a-loan | Click here |
| 6 | adityabirlacapital.com | https://www.adityabirlacapital.com/abc-of-money/gold-testing-methods | Click here |
| 7 | bajajfinserv.in | https://www.bajajfinserv.in/what-is-gold-purity | Click here |
| 8 | airtel.in | https://www.airtel.in/blog/gold-loan/how-gold-loan-valuation-works-factors-process-calculations/ | Click here |
| 9 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2026/government-rules-on-minimum-purity-standards-or-pledged-gold | Click here |
| 10 | poonawallafincorp.com | https://poonawallafincorp.com/blogs/gold-loan/22-karat-gold-purity-how-to-check-quality-and-value | Click here |
| 11 | manappuram.com | https://www.manappuram.com/blogs/how-gold-loan-works | Click here |
| 12 | tribuneindia.com | https://www.tribuneindia.com/news/business/gold-loan-guide-2026-how-do-lenders-calculate-gold-loan-eligibility-amount-and-settlement-rules-explained/amp | Click here |
| 13 | bajajfinserv.in | https://www.bajajfinserv.in/how-to-check-hallmark-on-gold-jewellery | Click here |
| 14 | airtel.in | https://www.airtel.in/blog/gold-loan/22k-gold-purity-percentage/ | Click here |
| 15 | muthootmoney.in | https://muthootmoney.in/gold-loan/gold-loan-process | Click here |
Category 3 of 5
Cost, interest and repayment
This category is about what the loan costs and how it is paid back. Interest rates, the charges around them, whether repayment can wait until the end, what early closure costs, and how the interest is worked out.
Top 5 brands
| # | Brand | Type | Visibility | Share |
|---|---|---|---|---|
| 1 | IIFL Finance | Gold loan NBFC | 68.0% | |
| 2 | Shriram Finance | NBFC | 40.0% | |
| 3 | ICICI Bank | Private sector bank | 36.0% | |
| 4 | Muthoot Finance | Gold loan NBFC | 36.0% | |
| 5 | Manappuram Finance | Gold loan NBFC | 32.0% |
Top 10 cited domains
| # | Domain | Citations | Share | Citation volume |
|---|---|---|---|---|
| 1 | iifl.com | 11 | 14.7% | |
| 2 | shriramfinance.in | 7 | 9.3% | |
| 3 | poonawallafincorp.com | 5 | 6.7% | |
| 4 | airtel.in | 4 | 5.3% | |
| 5 | manappuram.com | 4 | 5.3% | |
| 6 | icici.bank.in | 3 | 4.0% | |
| 7 | muthootfinance.com | 3 | 4.0% | |
| 8 | ujjivansfb.bank.in | 3 | 4.0% | |
| 9 | utkarsh.bank.in | 3 | 4.0% | |
| 10 | hdfc.bank.in | 2 | 2.7% |
Question level summary
| # | Question | Top 5 brands | Top 5 citation domains |
|---|---|---|---|
| 3.1 | What is the interest rate on a gold loan in India? |
|
|
| 3.2 | What are the charges on a gold loan in India? |
|
|
| 3.3 | Can I repay a gold loan only at the end of the tenure? |
|
|
| 3.4 | Can I foreclose a gold loan early and what does it cost? |
|
|
| 3.5 | How is gold loan interest calculated in India? |
|
|
Question 3.1
What is the interest rate on a gold loan in India?
The top three are banks, which is where the cheap money is: rates start near 8.5 percent at a public sector bank and run to about 30 at the higher priced NBFCs. A tax site is cited first again.
Top 5 brands named
- Rank 1HDFC Bank
- Rank 2ICICI Bank
- Rank 3State Bank of India
- Rank 4Muthoot Finance
- Rank 5Manappuram Finance
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | cleartax.in | https://cleartax.in/s/gold-loan-interest-rates | Click here |
| 2 | hdfc.bank.in | https://www.hdfc.bank.in/gold-loan/interest-rates-and-charges | Click here |
| 3 | icici.bank.in | https://www.icici.bank.in/personal-banking/loans/gold-loan/interest-rate-and-charges | Click here |
| 4 | bankbazaar.com | https://www.bankbazaar.com/personal-loan/gold-loan-interest-rates.html | Click here |
| 5 | bankofmaharashtra.bank.in | https://bankofmaharashtra.bank.in/gold-loan | Click here |
| 6 | fincash.com | https://www.fincash.com/l/loan/gold-loan-interest-rates | Click here |
| 7 | utkarsh.bank.in | https://www.utkarsh.bank.in/blogs/gold-loan-interest-rate-in-india-2026-what-borrowers-should-know | Click here |
| 8 | moneyview.in | https://moneyview.in/loan-insights/best-lowest-gold-loan-interest-rate-banks-in-india | Click here |
| 9 | mymoneymantra.com | https://www.mymoneymantra.com/lowest-gold-loan-interest-rate | Click here |
| 10 | creditmantri.com | https://www.creditmantri.com/top-10-banks-for-gold-loans-india/ | Click here |
| 11 | wealthminty.com | https://wealthminty.com/en/gold/loan | Click here |
| 12 | muthootfinance.com | https://www.muthootfinance.com/gold-loan/gold-loan-per-gram | Click here |
| 13 | manappuram.com | https://www.manappuram.com/gold-loan/gold-loan-interest-rates | Click here |
| 14 | buddyloan.com | https://www.buddyloan.com/sbi-gold-loan-interest-rate | Click here |
| 15 | ratestoday.in | https://ratestoday.in/gold-loan-interest-rate/ | Click here |
Question 3.2
What are the charges on a gold loan in India?
Processing fees, valuation charges and late payment penalties are what the cited pages discuss. Manappuram Finance leads by publishing its schedule plainly, and a small finance bank supplies one of the first five citations.
Top 5 brands named
- Rank 1Manappuram Finance
- Rank 2IIFL Finance
- Rank 3Shriram Finance
- Rank 4Poonawalla Fincorp
- Rank 5ICICI Bank
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | poonawallafincorp.com | https://poonawallafincorp.com/blogs/gold-loan/understanding-processing-fees-and-hidden-charges | Click here |
| 2 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2026/what-is-the-processing-fee-for-gold-loan | Click here |
| 3 | ujjivansfb.bank.in | https://www.ujjivansfb.bank.in/banking-blogs/gold-loan/understanding-gold-loan-fees-and-charges | Click here |
| 4 | airtel.in | https://www.airtel.in/blog/gold-loan/hidden-gold-loan-charges-what-borrowers-should-know/ | Click here |
| 5 | iifl.com | https://www.iifl.com/blogs/gold-loan/gst-on-gold-loan-processing-fees-and-penalties-explained | Click here |
| 6 | quicklend.in | https://www.quicklend.in/learning/gold-loan-interest-rates | Click here |
| 7 | ltfinance.com | https://www.ltfinance.com/blog/gold-loan/gold-loan-processing-fees-and-charges | Click here |
| 8 | manappuram.com | https://www.manappuram.com/gold-loan-processing-fee-and-charges | Click here |
| 9 | iifl.com | https://www.iifl.com/finance/fees-and-charges | Click here |
| 10 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2025/understanding-transparent-pricing-structure-in-gold-loans | Click here |
| 11 | manappuram.com | https://www.manappuram.com/blogs/gold-loan-fees-charges-explained | Click here |
| 12 | hdfc.bank.in | https://www.hdfc.bank.in/gold-loan/interest-rates-and-charges | Click here |
| 13 | icici.bank.in | https://www.icici.bank.in/personal-banking/loans/gold-loan/interest-rate-and-charges | Click here |
| 14 | paisabazaar.com | https://www.paisabazaar.com/icici-bank/gold-loan/ | Click here |
| 15 | indiagold.co | https://indiagold.co/blogs/iifl-vs-muthoot-vs-manappuram-gold-loans | Click here |
Question 3.3
Can I repay a gold loan only at the end of the tenure?
Bullet repayment, where interest is serviced and the principal waits, is standard here and unusual everywhere else. Since April 2026 a consumption gold loan repaid that way must be settled within twelve months, renewable on request.
Top 5 brands named
- Rank 1IIFL Finance
- Rank 2Poonawalla Fincorp
- Rank 3Shriram Finance
- Rank 4Muthoot Finance
- Rank 5RBI
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | ltfinance.com | https://www.ltfinance.com/blog/gold-loan/bullet-repayment-gold-loan | Click here |
| 2 | adityabirlacapital.com | https://www.adityabirlacapital.com/abc-of-money/what-is-bullet-repayment-in-gold-loans | Click here |
| 3 | muthootfinance.com | https://www.muthootfinance.com/blog/is-a-bullet-repayment-gold-loan-right-for-you | Click here |
| 4 | poonawallafincorp.com | https://poonawallafincorp.com/blogs/gold-loan/bullet-repayment-in-a-gold-loan-explained | Click here |
| 5 | iifl.com | https://www.iifl.com/blogs/gold-loan/bullet-repayment-gold-loan | Click here |
| 6 | poonawallafincorp.com | https://poonawallafincorp.com/blogs/gold-loan/repayment-options-bullet-emi-flexi-payment | Click here |
| 7 | iifl.com | https://www.iifl.com/blogs/gold-loan/bullet-repayment-scheme | Click here |
| 8 | ujjivansfb.bank.in | https://www.ujjivansfb.bank.in/banking-blogs/gold-loan/gold-loan-repayment-options-bullet-repayment-vs-emi | Click here |
| 9 | shriramfinance.in | https://www.shriramfinance.in/gold-loan/articles/bullet-repayment-vs-emi-gold-loan | Click here |
| 10 | utkarsh.bank.in | https://www.utkarsh.bank.in/blogs/gold-loan-repayment-options-bullet-vs-emi-kya-fark-hai | Click here |
| 11 | iifl.com | https://www.iifl.com/blogs/gold-loan/process-of-gold-loan-repayment | Click here |
| 12 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2025/gold-loan-overdraft-vs-emi-which-one-to-choose | Click here |
| 13 | airtel.in | https://www.airtel.in/blog/gold-loan/gold-loan-repayment-options-and-plans-your-complete-guide/ | Click here |
| 14 | poonawallafincorp.com | https://poonawallafincorp.com/blogs/gold-loan/rbi-guidelines-on-gold-loan | Click here |
| 15 | kosamattam.com | https://www.kosamattam.com/blogs/rbi-gold-loan-rules-2026/ | Click here |
Question 3.4
Can I foreclose a gold loan early and what does it cost?
The 2025 pre-payment directions removed foreclosure charges on floating rate loans, and gold loans are almost always fixed rate, so they are outside that rule. A charge of about one percent of the outstanding principal is still common.
Top 5 brands named
- Rank 1IIFL Finance
- Rank 2Shriram Finance
- Rank 3RBI
- Rank 4Bajaj Finance
- Rank 5Ujjivan SFB
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2026/what-is-gold-loan-foreclosure-and-its-charges | Click here |
| 2 | shriramfinance.in | https://www.shriramfinance.in/article-can-i-prepay-or-foreclose-my-gold-loan | Click here |
| 3 | ujjivansfb.bank.in | https://www.ujjivansfb.bank.in/banking-blogs/gold-loan/gold-loan-foreclosure-charges | Click here |
| 4 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-loan-prepayment-charges-rules-benefits | Click here |
| 5 | bajajfinserv.in | https://www.bajajfinserv.in/gold-loan-foreclosure-charges | Click here |
| 6 | airtel.in | https://www.airtel.in/blog/gold-loan/gold-loan-foreclosure-pros-cons-and-how-to-do-it-right/ | Click here |
| 7 | utkarsh.bank.in | https://www.utkarsh.bank.in/blogs/how-to-foreclose-gold-loan-early---process-charges-benefits-apply-for-a-gold-loan | Click here |
| 8 | iifl.com | https://www.iifl.com/blogs/gold-loan/how-foreclosure-works-in-gold-loans | Click here |
| 9 | iifl.com | https://www.iifl.com/blogs/gold-loan/7-smart-tips-clear-gold-loan-early-without-penalties | Click here |
| 10 | loansjagat.com | https://www.loansjagat.com/blog/gold-loan-foreclosure-rules-penalties-guide | Click here |
| 11 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-loan-penalty-rbi | Click here |
| 12 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-loan-closure-process | Click here |
| 13 | elplaw.in | https://elplaw.in/wp-content/uploads/2025/07/Reserve-Bank-of-India-Pre-payment-Charges-on-Loans-Directions-2025-issued-on-July-2-2025.pdf | Click here |
| 14 | poonawallafincorp.com | https://poonawallafincorp.com/blogs/personal-loan/latest-rbi-guidelines-about-loan-foreclosure | Click here |
| 15 | rbi.org.in | https://www.rbi.org.in/commonman/Upload/English/Notification/PDFs/DBC070514DF.pdf | Click here |
Question 3.5
How is gold loan interest calculated in India?
Two finance education sites are cited ahead of every lender, because the question asks for a formula rather than a product. Muthoot Finance leads on a calculator page, and the ranking measures who explains the sum rather than who lends the money.
Top 5 brands named
- Rank 1Muthoot Finance
- Rank 2ICICI Bank
- Rank 3IIFL Finance
- Rank 4Manappuram Finance
- Rank 5Federal Bank
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | wallstreetmojo.com | https://www.wallstreetmojo.com/calculate-interest-payable-on-gold-loan/ | Click here |
| 2 | 5paisa.com | https://www.5paisa.com/calculators/gold-loan-calculator | Click here |
| 3 | muthootfinance.com | https://www.muthootfinance.com/fin-shorts/how-to-calculate-gold-loan-interest | Click here |
| 4 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2025/guide-to-calculating-interest-rate-on-gold-loan | Click here |
| 5 | icici.bank.in | https://www.icici.bank.in/personal-banking/loans/gold-loan/calculator | Click here |
| 6 | federal.bank.in | https://www.federal.bank.in/gold-loans-interest-rate | Click here |
| 7 | iifl.com | https://www.iifl.com/gold-loans/calculator | Click here |
| 8 | dbs.bank.in | https://www.dbs.bank.in/digibank/in/articles/save/how-to-calculate-gold-loan-interest-rates | Click here |
| 9 | airtel.in | https://www.airtel.in/blog/gold-loan/accrued-interest-on-gold-loan-definition-how-to-calculate-it/ | Click here |
| 10 | forbes.com | https://www.forbes.com/advisor/in/gold-loan/how-to-calculate-gold-loan-interest/ | Click here |
| 11 | moneyexcel.com | https://moneyexcel.com/a-quick-guide-to-calculating-gold-loan-interest-in-india/ | Click here |
| 12 | manappuram.com | https://www.manappuram.com/gold-loan-calculator | Click here |
| 13 | samridhya.com | https://samridhya.com/blog/a-complete-guide-to-understanding-gold-loan-interest-rates | Click here |
| 14 | valuetools.in | https://valuetools.in/gold-loan-emi-calculator/ | Click here |
| 15 | financialcalculator.io | https://financialcalculator.io/calculators/loan-emi/gold-loan-calculator | Click here |
Category 4 of 5
Applying and keeping gold safe
These five questions cover the application and the custody. What documents are needed, how long it takes, where the gold is actually kept, whether the whole thing can be done online, and whether income proof is required.
Top 5 brands
| # | Brand | Type | Visibility | Share |
|---|---|---|---|---|
| 1 | IIFL Finance | Gold loan NBFC | 84.0% | |
| 2 | Muthoot Finance | Gold loan NBFC | 60.0% | |
| 3 | Shriram Finance | NBFC | 56.0% | |
| 4 | Airtel Finance | Telecom fintech arm | 32.0% | |
| 5 | Manappuram Finance | Gold loan NBFC | 28.0% |
Top 10 cited domains
| # | Domain | Citations | Share | Citation volume |
|---|---|---|---|---|
| 1 | iifl.com | 16 | 21.3% | |
| 2 | shriramfinance.in | 12 | 16.0% | |
| 3 | airtel.in | 6 | 8.0% | |
| 4 | muthootfinance.com | 6 | 8.0% | |
| 5 | manappuram.com | 4 | 5.3% | |
| 6 | hdfc.bank.in | 3 | 4.0% | |
| 7 | ltfinance.com | 3 | 4.0% | |
| 8 | poonawallafincorp.com | 3 | 4.0% | |
| 9 | kosamattam.com | 2 | 2.7% | |
| 10 | quora.com | 2 | 2.7% |
Question level summary
| # | Question | Top 5 brands | Top 5 citation domains |
|---|---|---|---|
| 4.1 | What documents are needed for a gold loan in India? |
|
|
| 4.2 | How long does it take to get a gold loan? |
|
|
| 4.3 | Where does the lender keep my gold during a gold loan? |
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| 4.4 | Can I get a gold loan online in India? |
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| 4.5 | Can I get a gold loan without income proof or a credit score? |
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Question 4.1
What documents are needed for a gold loan in India?
A gold loan needs almost nothing: identity, address and the gold. An aggregator is cited first, and the ranked lenders all publish the same short list, so position here is decided by page structure rather than substance.
Top 5 brands named
- Rank 1IIFL Finance
- Rank 2Manappuram Finance
- Rank 3Muthoot Finance
- Rank 4HDFC Bank
- Rank 5Shriram Finance
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | paisabazaar.com | https://www.paisabazaar.com/gold-loan/documents-required/ | Click here |
| 2 | muthootfinance.com | https://www.muthootfinance.com/gold-loan/eligibility | Click here |
| 3 | iifl.com | https://www.iifl.com/gold-loans/documents-required | Click here |
| 4 | manappuram.com | https://www.manappuram.com/blogs/documents-required-for-gold-loan-india | Click here |
| 5 | financebuddha.com | https://www.financebuddha.com/blogs/gold-loan-documents/ | Click here |
| 6 | mymoneymantra.com | https://www.mymoneymantra.com/documents-required-for-gold-loan | Click here |
| 7 | indiainfoline.com | https://www.indiainfoline.com/knowledge-center/gold-loan/documents-required-for-gold-loan | Click here |
| 8 | federal.bank.in | https://www.federal.bank.in/gold-loan-documents-required | Click here |
| 9 | poonawallafincorp.com | https://poonawallafincorp.com/blogs/gold-loan/do-you-need-a-pan-for-a-gold-loan-key-documents-explained | Click here |
| 10 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-loan-documents-list | Click here |
| 11 | iifl.com | https://www.iifl.com/blogs/gold-loan/guide-to-kyc-documents-required-for-gold-loan | Click here |
| 12 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-loan-documents-2026 | Click here |
| 13 | airtel.in | https://www.airtel.in/finance/gold-loan/documents | Click here |
| 14 | hdfc.bank.in | https://www.hdfc.bank.in/gold-loan/documentation | Click here |
| 15 | shriramfinance.in | https://www.shriramfinance.in/financial-faq-what-documents-are-required-to-apply-for-a-gold-loan-per-gram | Click here |
Question 4.2
How long does it take to get a gold loan?
Speed is the selling point of the whole product, and Shriram Finance wins it with two of the first four citations. Airtel Finance ranks third without lending anything itself: it distributes Muthoot Finance loans through its app.
Top 5 brands named
- Rank 1Shriram Finance
- Rank 2IIFL Finance
- Rank 3Airtel Finance
- Rank 4Muthoot Finance
- Rank 5ICICI Bank
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2026/what-is-the-gold-loan-processing-time-in-2026 | Click here |
| 2 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-loan-disbursement-time | Click here |
| 3 | airtel.in | https://www.airtel.in/blog/gold-loan/gold-loan-processing-time/ | Click here |
| 4 | shriramfinance.in | https://www.shriramfinance.in/financial-faq-how-soon-can-you-receive-funds-when-applying-for-a-gold-loan-based-on-the-value-per-gram | Click here |
| 5 | outlookindia.com | https://www.outlookindia.com/xhub/featured-insights/how-to-get-your-gold-loan-approved-in-less-than-24-hours | Click here |
| 6 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2021/gold-loan-disbursal-process-explained | Click here |
| 7 | ujjivansfb.bank.in | https://www.ujjivansfb.bank.in/banking-blogs/gold-loan/gold-loan-disbursement-process-explained | Click here |
| 8 | airtel.in | https://www.airtel.in/finance/gold-loan/application-process | Click here |
| 9 | ltfinance.com | https://www.ltfinance.com/blog/gold-loan/how-to-get-gold-loan-step-by-step-process | Click here |
| 10 | icici.bank.in | https://www.icici.bank.in/personal-banking/blogs/loan/gold-loan/gold-loan-procedure | Click here |
| 11 | muthootfinance.com | https://www.muthootfinance.com/blog/a-complete-guide-about-gold-loan-process-and-eligibility | Click here |
| 12 | manappuram.com | https://www.manappuram.com/blogs/gold-loan-procedure | Click here |
| 13 | hdfc.bank.in | https://www.hdfc.bank.in/blogs/gold-loan/how-to-apply-for-gold-loan | Click here |
| 14 | manappuram.com | https://www.manappuram.com/campaigns/instant-state-wise-en | Click here |
| 15 | quora.com | https://www.quora.com/How-long-does-it-take-to-process-a-gold-loan-in-India | Click here |
Question 4.3
Where does the lender keep my gold during a gold loan?
Custody is the question that decides trust, and the lenders answer it by describing their strong rooms and insurance. The regulator ranks fourth, since the rules on storage and on returning the gold are its own.
Top 5 brands named
- Rank 1Muthoot Finance
- Rank 2IIFL Finance
- Rank 3Shriram Finance
- Rank 4RBI
- Rank 5Poonawalla Fincorp
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | muthootfinance.com | https://www.muthootfinance.com/blog/things-you-need-to-know-about-gold-loan-locker-facilities | Click here |
| 2 | shriramfinance.in | https://www.shriramfinance.in/financial-faq-how-is-the-gold-kept-safe-by-the-financial-institutions | Click here |
| 3 | iifl.com | https://www.iifl.com/blogs/gold-loan/security-measures-nbfcs-take-protect-pledged-gold | Click here |
| 4 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2026/things-to-know-about-the-gold-loan-locker-facilities | Click here |
| 5 | utkarsh.bank.in | https://www.utkarsh.bank.in/blogs/how-safe-is-your-gold-in-a-bank-gold-loan-security-insurance-and-vault-standards | Click here |
| 6 | muthalagufinance.in | https://muthalagufinance.in/blog/understanding-goldloan-security-safeguarding-your-valuables.html | Click here |
| 7 | quora.com | https://www.quora.com/Is-my-gold-safe-with-a-gold-loan-company | Click here |
| 8 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-loan-insurance-pledged-gold-protection | Click here |
| 9 | poonawallafincorp.com | https://poonawallafincorp.com/blogs/gold-loan/security-tips-to-store-gold-at-home | Click here |
| 10 | goldloancalculators.com | https://goldloancalculators.com/is-gold-loan-safe/ | Click here |
| 11 | ltfinance.com | https://www.ltfinance.com/blog/gold-loan/rbi-guidelines-on-gold-loans | Click here |
| 12 | poonawallafincorp.com | https://poonawallafincorp.com/blogs/gold-loan/complete-guide-to-rbi-guidelines-on-gold-loans-in-india | Click here |
| 13 | kosamattam.com | https://www.kosamattam.com/blogs/rbi-gold-loan-rules-2026/ | Click here |
| 14 | iifl.com | https://www.iifl.com/blogs/gold-loan/rbi-gold-loan-circular-number | Click here |
| 15 | signaturegoldloans.com | https://www.signaturegoldloans.com/post/gold-loan-guide | Click here |
Question 4.4
Can I get a gold loan online in India?
Muthoot Finance supplies two of the first three citations, and two banks reach the top five, which is unusual outside the rate questions. Fully online gold loans still end with someone collecting the jewellery in person.
Top 5 brands named
- Rank 1Muthoot Finance
- Rank 2IIFL Finance
- Rank 3Airtel Finance
- Rank 4HDFC Bank
- Rank 5Axis Bank
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | muthootfinance.com | https://www.muthootfinance.com/gold-loan | Click here |
| 2 | airtel.in | https://www.airtel.in/blog/gold-loan/how-to-get-a-gold-loan-online-in-india-step-by-step-guide/ | Click here |
| 3 | muthootfinance.com | https://www.muthootfinance.com/blog/doorstep-gold-loan-all-you-need-to-know | Click here |
| 4 | hdfc.bank.in | https://www.hdfc.bank.in/gold-loan | Click here |
| 5 | axis.bank.in | https://www.axis.bank.in/loans/gold-loan | Click here |
| 6 | iifl.com | https://www.iifl.com/gold-loans | Click here |
| 7 | bajajfinserv.in | https://www.bajajfinserv.in/gold-loan | Click here |
| 8 | bajajfinservmarkets.in | https://www.bajajfinservmarkets.in/gold-loan/doorstep-gold-loan | Click here |
| 9 | muthootfinance.com | https://www.muthootfinance.com/blog/online-vs-offline-gold-loan | Click here |
| 10 | shriramfinance.in | https://www.shriramfinance.in/financial-faq-can-i-get-a-gold-loan-without-physically-visiting-the-branch-and-what-are-the-risks | Click here |
| 11 | iifl.com | https://www.iifl.com/blogs/gold-loan/how-to-avail-a-digital-gold-loan | Click here |
| 12 | airtel.in | https://www.airtel.in/finance/gold-loan/digital-gold-loans | Click here |
| 13 | unionbankofindia.bank.in | https://www.unionbankofindia.bank.in/en/details/digital-gold-loan | Click here |
| 14 | ltfinance.com | https://www.ltfinance.com/gold-loan | Click here |
| 15 | indiagold.co | https://indiagold.co/ | Click here |
Question 4.5
Can I get a gold loan without income proof or a credit score?
Shriram Finance supplies four of the first five citations and leads outright. No credit score is needed, because the gold secures the loan, and for smaller amounts the lender is not required to appraise credit at all.
Top 5 brands named
- Rank 1Shriram Finance
- Rank 2IIFL Finance
- Rank 3Manappuram Finance
- Rank 4Airtel Finance
- Rank 5Kosamattam Finance
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | shriramfinance.in | https://www.shriramfinance.in/gold-loan/articles/can-i-get-a-gold-loan-without-income-proof | Click here |
| 2 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2025/loan-against-gold-without-cibil-check | Click here |
| 3 | iifl.com | https://www.iifl.com/blogs/gold-loan/does-gold-loan-need-a-credit-score-cibil-and-gold-loan | Click here |
| 4 | shriramfinance.in | https://www.shriramfinance.in/financial-faq-can-i-get-gold-loan-without-income-proof | Click here |
| 5 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2026/can-you-take-a-gold-loan-without-a-salary-slip | Click here |
| 6 | utkarsh.bank.in | https://www.utkarsh.bank.in/blogs/gold-loan-without-income-proof-self-employed-and-farmers-guide | Click here |
| 7 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-loan-for-daily-wage-worker | Click here |
| 8 | iifl.com | https://www.iifl.com/blogs/gold-loan/how-to-get-a-loan-without-salary-slip-documents-options-gold-loan-alternative | Click here |
| 9 | iifl.com | https://www.iifl.com/blogs/gold-loan-women-no-cibil-score-eligibility-benefits-process | Click here |
| 10 | iifl.com | https://www.iifl.com/blogs/can-you-get-gold-loan-low-cibil-score-heres-what-you-should-know | Click here |
| 11 | manappuram.com | https://www.manappuram.com/blogs/will-gold-loan-affect-cibil-score | Click here |
| 12 | kosamattam.com | https://www.kosamattam.com/blogs/does-gold-loan-affect-cibil-score/ | Click here |
| 13 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-loan-for-housewife-without-income-proof | Click here |
| 14 | airtel.in | https://www.airtel.in/blog/gold-loan/decoding-cibil-score-requirements-for-gold-loan-approval/ | Click here |
| 15 | shriramfinance.in | https://www.shriramfinance.in/credit-score-for-gold-loan | Click here |
Category 5 of 5
Default, auction and getting gold back
The last category covers what goes wrong. Missed repayment, the auction rules, getting the gold back after paying, what happens if the lender loses it, and whether any of this reaches the credit report.
Top 5 brands
| # | Brand | Type | Visibility | Share |
|---|---|---|---|---|
| 1 | IIFL Finance | Gold loan NBFC | 92.0% | |
| 2 | RBI | Regulator | 44.0% | |
| 3 | Shriram Finance | NBFC | 40.0% | |
| 4 | Bajaj Finance | NBFC | 28.0% | |
| 5 | Manappuram Finance | Gold loan NBFC | 20.0% |
Top 10 cited domains
| # | Domain | Citations | Share | Citation volume |
|---|---|---|---|---|
| 1 | iifl.com | 16 | 21.3% | |
| 2 | shriramfinance.in | 7 | 9.3% | |
| 3 | airtel.in | 6 | 8.0% | |
| 4 | muthootfinance.com | 5 | 6.7% | |
| 5 | bajajfinserv.in | 4 | 5.3% | |
| 6 | manappuram.com | 4 | 5.3% | |
| 7 | upstox.com | 3 | 4.0% | |
| 8 | indiainfoline.com | 2 | 2.7% | |
| 9 | kosamattam.com | 2 | 2.7% | |
| 10 | ltfinance.com | 2 | 2.7% |
Question level summary
| # | Question | Top 5 brands | Top 5 citation domains |
|---|---|---|---|
| 5.1 | What happens if I cannot repay my gold loan in India? |
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| 5.2 | Can the lender auction my gold and what are the rules? |
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| 5.3 | How do I get my gold back after repaying the loan? |
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| 5.4 | What happens if the lender loses or damages my gold? |
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| 5.5 | Does a gold loan affect my CIBIL score? |
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Question 5.1
What happens if I cannot repay my gold loan in India?
Five NBFCs and no bank, no regulator and no bureau. Missed repayment leads to notices, then interest and penalties, and eventually to auction, and the lenders describe that path themselves rather than leaving it to anyone else.
Top 5 brands named
- Rank 1IIFL Finance
- Rank 2Bajaj Finance
- Rank 3Shriram Finance
- Rank 4Poonawalla Fincorp
- Rank 5Manappuram Finance
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | poonawallafincorp.com | https://poonawallafincorp.com/blogs/gold-loan/complete-guide-to-gold-loan-default | Click here |
| 2 | shriramfinance.in | https://www.shriramfinance.in/financial-faq-what-happens-to-my-gold-if-i-am-unable-to-repay-the-loan | Click here |
| 3 | bajajfinserv.in | https://www.bajajfinserv.in/what-happens-when-you-do-not-repay-your-gold-loan | Click here |
| 4 | indiainfoline.com | https://www.indiainfoline.com/knowledge-center/gold-loan/what-happpens-when-you-fail-to-repay-a-gold-loan | Click here |
| 5 | airtel.in | https://www.airtel.in/blog/gold-loan/gold-loan-repayment-problems-solutions/ | Click here |
| 6 | finnable.com | https://www.finnable.com/finn-advice/what-happens-if-gold-loan-is-not-paid/ | Click here |
| 7 | manappuram.com | https://www.manappuram.com/blogs/what-happens-if-you-cant-repay-gold-loan-on-time | Click here |
| 8 | iifl.com | https://www.iifl.com/blogs/gold-loan/overdue-gold-loan-timeline-rbi-rules | Click here |
| 9 | muthootfinance.com | https://www.muthootfinance.com/blog/rbi-gold-loan-auction-guidelines | Click here |
| 10 | shriramfinance.in | https://www.shriramfinance.in/financial-faq-can-gold-loan-become-npa | Click here |
| 11 | paisabazaar.com | https://www.paisabazaar.com/gold-loan/consequences-of-not-repaying-gold-loan/ | Click here |
| 12 | bajajfinserv.in | https://www.bajajfinserv.in/missed-gold-loan-emi-more-than-90-days | Click here |
| 13 | iifl.com | https://www.iifl.com/blogs/gold-loan/what-to-do-when-you-receive-an-overdue-notice-on-your-gold-loan | Click here |
| 14 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-loan-penalty-rbi | Click here |
| 15 | ltfinance.com | https://www.ltfinance.com/blog/gold-loan/rbi-rules-for-gold-loan | Click here |
Question 5.2
Can the lender auction my gold and what are the rules?
The regulator leads because the auction procedure is written down. The lender must give advance notice, advertise in two newspapers, one regional and one national, set a reserve price, and refund any surplus within seven working days.
Top 5 brands named
- Rank 1RBI
- Rank 2IIFL Finance
- Rank 3Muthoot Finance
- Rank 4Manappuram Finance
- Rank 5Airtel Finance
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | muthootfinance.com | https://www.muthootfinance.com/blog/rbi-gold-loan-auction-guidelines | Click here |
| 2 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-auction-new-rules-2026 | Click here |
| 3 | iifl.com | https://www.iifl.com/blogs/gold-loan/rbi-rules-on-auctioning-pledged-gold-ornaments | Click here |
| 4 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-loan-auction-notice-new-rights | Click here |
| 5 | airtel.in | https://www.airtel.in/blog/gold-loan/gold-loan-auction-process/ | Click here |
| 6 | upstox.com | https://upstox.com/learning-center/personal-finance/rbi-gold-loan-rules-2026/article-1545/ | Click here |
| 7 | kosamattam.com | https://www.kosamattam.com/blogs/rbi-gold-loan-rules-2026/ | Click here |
| 8 | outlookmoney.com | https://www.outlookmoney.com/banking/gold-loan-default-can-your-pledged-gold-jewellery-be-auctioned | Click here |
| 9 | ltfinance.com | https://www.ltfinance.com/blog/gold-loan/rbi-guidelines-on-gold-loans | Click here |
| 10 | eauctionsindia.com | https://www.eauctionsindia.com/blog-details/rbi-guidelines-on-gold-loan-auction | Click here |
| 11 | airtel.in | https://www.airtel.in/blog/gold-loan/can-lender-sell-gold-without-informing-you/ | Click here |
| 12 | business-standard.com | https://www.business-standard.com/finance/personal-finance/rbi-tightens-gold-loan-rules-what-changes-in-repayment-valuation-auction-125100200506_1.html | Click here |
| 13 | muthootfinance.com | https://www.muthootfinance.com/auction-policy | Click here |
| 14 | muthootfinance.com | https://www.muthootfinance.com/blog/what-is-the-process-of-gold-loan-auction | Click here |
| 15 | manappuram.com | https://www.manappuram.com/sites/default/files/2026-06/New-Auction-Policy-final.pdf | Click here |
Question 5.3
How do I get my gold back after repaying the loan?
The gold must be released within seven working days of full repayment, and a lender that is late owes the borrower 5,000 rupees a day. That penalty is the single most useful fact here, and it is newer than most of the pages cited.
Top 5 brands named
- Rank 1IIFL Finance
- Rank 2Shriram Finance
- Rank 3Bajaj Finance
- Rank 4RBI
- Rank 5Manappuram Finance
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | bajajfinserv.in | https://www.bajajfinserv.in/how-and-when-can-i-get-back-the-pledged-gold-ornaments | Click here |
| 2 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2026/can-you-reclaim-your-gold-after-settlement-heres-what-to-know | Click here |
| 3 | iifl.com | https://www.iifl.com/blogs/gold-loan/partial-gold-loan-release-jewellery-back | Click here |
| 4 | whitegold.money | https://whitegold.money/release-pledged-gold-banks-nbfcs-guide | Click here |
| 5 | iifl.com | https://www.iifl.com/blogs/gold-loan/faster-gold-return-process | Click here |
| 6 | atticagoldcompany.com | https://www.atticagoldcompany.com/how-to-release-pledged-gold/ | Click here |
| 7 | manappuram.com | https://www.manappuram.com/blogs/things-to-remember-when-closing-a-gold-loan | Click here |
| 8 | shriramfinance.in | https://www.shriramfinance.in/gold-loan/articles/how-to-get-proper-gold-loan-settlement-in-india | Click here |
| 9 | upstox.com | https://upstox.com/learning-center/personal-finance/rbi-gold-loan-rules-2026/article-1545/ | Click here |
| 10 | cleartax.in | https://cleartax.in/s/rbi-new-gold-loan-rules | Click here |
| 11 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-loan-settlement-retrieve-process | Click here |
| 12 | iifl.com | https://www.iifl.com/blogs/gold-loan/what-to-do-if-you-lose-your-original-gold-loan-pledge-note | Click here |
| 13 | airtel.in | https://www.airtel.in/blog/gold-loan/gold-loan-receipt-lost-next-steps/ | Click here |
| 14 | shriramfinance.in | https://www.shriramfinance.in/gold-loan/articles/gold-loan-foreclosure-guide-how-to-close-your-loan-early-and-save-interest | Click here |
| 15 | upstox.com | https://upstox.com/news/business-news/latest-updates/7-day-gold-return-5-k-penalty-for-delay-rbi-drafts-uniform-rules-for-loan-against-yellow-metal/article-159573/ | Click here |
Question 5.4
What happens if the lender loses or damages my gold?
The ombudsman appears once in the whole report, here. A lender must pay to repair damaged gold and must suitably compensate for gold that is lost, though no deadline or formula for that compensation is set anywhere.
Top 5 brands named
- Rank 1IIFL Finance
- Rank 2RBI
- Rank 3Shriram Finance
- Rank 4Muthoot Finance
- Rank 5RBI Ombudsman
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | shriramfinance.in | https://www.shriramfinance.in/articles/gold-loan/2026/legal-remedies-available-in-case-of-gold-loan-misappropriation | Click here |
| 2 | poonawallafincorp.com | https://poonawallafincorp.com/blogs/gold-loan/complete-guide-to-rbi-guidelines-on-gold-loans-in-india | Click here |
| 3 | timesbull.com | https://www.timesbull.com/pledged-gold-lost-when-will-you-get-compensation-and-how-much-known-rbi-rule | Click here |
| 4 | iifl.com | https://www.iifl.com/blogs/other/grievance-redressal-rbi-ombudsman-gold-loan | Click here |
| 5 | iifl.com | https://www.iifl.com/blogs/gold-loan/insurance-coverage-of-pledged-gold-for-loan | Click here |
| 6 | muthootfinance.com | https://www.muthootfinance.com/blog/what-is-gold-loan-insurance | Click here |
| 7 | utkarsh.bank.in | https://www.utkarsh.bank.in/blogs/how-safe-is-your-gold-in-a-bank-gold-loan-security-insurance-and-vault-standards | Click here |
| 8 | iifl.com | https://www.iifl.com/blogs/gold-loan/gold-loan-insurance-pledged-gold-protection | Click here |
| 9 | shriramfinance.in | https://www.shriramfinance.in/gold-loan/articles/understanding-gold-loan-insurance-and-its-benefits | Click here |
| 10 | iifl.com | https://www.iifl.com/blogs/gold-loan/security-measures-nbfcs-take-protect-pledged-gold | Click here |
| 11 | airtel.in | https://www.airtel.in/blog/gold-loan/gold-loan-insurance-do-you-need-it/ | Click here |
| 12 | amanshantinews.com | https://amanshantinews.com/gold-pledged-for-loan-stolen-in-bank-robbery-borrower-gets-gold-value-plus-rs-88362-for-making-charges-and-stones-rs-40000-compensation-how-he-won-the-case/ | Click here |
| 13 | garhwalpost.in | https://garhwalpost.in/uco-bank-directed-to-return-gold-ornaments-pledged-for-loan-or-pay-market-value-with-interest/ | Click here |
| 14 | thelawsuits.in | https://thelawsuits.in/bank-responsible-securing-pledged-gold-ernakulam-district-commission/ | Click here |
| 15 | gocredit.money | https://gocredit.money/loan-kavach/rbi-complaint | Click here |
Question 5.5
Does a gold loan affect my CIBIL score?
CIBIL leads the one question about its own record. A gold loan is reported to the bureaus like any other loan, so repaying on time helps a score and an auction after default damages it.
Top 5 brands named
- Rank 1CIBIL
- Rank 2IIFL Finance
- Rank 3Aditya Birla Capital
- Rank 4Bank of Baroda
- Rank 5Manappuram Finance
Top 15 citations
| # | Citation domain | Citation URL | Actual page |
|---|---|---|---|
| 1 | adityabirlacapital.com | https://www.adityabirlacapital.com/abc-of-money/how-does-gold-loan-affect-your-cibil-score | Click here |
| 2 | moneyview.in | https://moneyview.in/cibil-score/does-gold-loan-affect-cibil-score | Click here |
| 3 | bankofbaroda.bank.in | https://bankofbaroda.bank.in/banking-mantra/loans-borrowings/articles/how-does-gold-loan-affect-your-cibil-score | Click here |
| 4 | paisabazaar.com | https://www.paisabazaar.com/credit-score/gold-loan-affect-cibil-score/ | Click here |
| 5 | indiainfoline.com | https://www.indiainfoline.com/knowledge-center/gold-loan/how-does-gold-loan-affect-your-cibil-credit-score | Click here |
| 6 | kosamattam.com | https://www.kosamattam.com/blogs/does-a-gold-loan-affect-your-cibil-score-understanding-the-impact/ | Click here |
| 7 | greaterkashmir.com | https://www.greaterkashmir.com/business/can-a-gold-loan-affect-your-cibil-score/ | Click here |
| 8 | manappuram.com | https://www.manappuram.com/blogs/will-gold-loan-affect-cibil-score | Click here |
| 9 | bankbazaar.com | https://www.bankbazaar.com/gold-rate/how-does-a-gold-loan-affect-your-cibil-score.html | Click here |
| 10 | iifl.com | https://www.iifl.com/blogs/gold-loan/does-taking-gold-loan-affect-your-credit-score | Click here |
| 11 | ujjivansfb.bank.in | https://www.ujjivansfb.bank.in/banking-blogs/gold-loan/does-taking-a-gold-loan-affect-your-cibil-score | Click here |
| 12 | airtel.in | https://www.airtel.in/blog/gold-loan/how-gold-loans-affect-your-cibil-credit-score-2/ | Click here |
| 13 | iifl.com | https://www.iifl.com/blogs/gold-loan/how-gold-loan-repayment-affects-your-cibil-score | Click here |
| 14 | urbanmoney.com | https://www.urbanmoney.com/credit-score/does-gold-loan-affect-cibil-score-csgen | Click here |
| 15 | bajajfinserv.in | https://www.bajajfinserv.in/gold-loans-a-loan-for-low-cibil-score | Click here |
Conclusion
This report is a snapshot. AI engines refresh their sources every week, and the brands that move first tend to hold the top spot. Muthoot Finance is named first on more questions than IIFL, eight against seven, yet ranks second, because IIFL appears somewhere in almost every answer.
Read next
The rest of this programme, in the order it makes sense to read.