Major Gold Loan Providers in Hyderabad
| Feature | HDFC Bank | SBI |
Muthoot Finance
|
| Interest Rate | 9.90% onwards | 7% onwards | 12% onwards |
| Min Loan Amt | Metro : 25000, Non : 15000 | 25000 | 15000 |
| Max Loan Amt | 1 Cr | 1 Cr | 1 Cr |
| Loan Tenure | 3 months to 24 months | 9 months to 24 months |
1 month to 24 months
|
| Processing Fee | 0.25% to 1.50% of the Loan Amt | 0.25% to 1.50% | Nil |
| Pre-closure Charges | 2%, Nil foreclosure charges after 3 months | 2%, Nil foreclosure charges after 9 months | Nil |
| Overdraft Facility | Yes | Yes | Yes |
| Pay Only Interest Facility | Yes | Yes | Yes |
| Gold Rate Per Gram | 3066 | 3073 | 3073 |
Gold Loan Hyderabad Features
Are you in need of urgent money? Are you facing a sudden medical emergency or need cash immediately to tackle any financial crisis? Then Gold loan might just be the best option for you. All you need is some amount of gold and some basic documents. After evaluation of your gold in the bank, your loan amount will be credited into your account. Also, your valuable gold is kept safe in the sealed locker of the bank. Usually, a person needs money urgently on the same day. Applying for other loans may consume time. But Gold Loan is the best loan option to get instant finance without any hassle paperwork.
GOLD LOAN @ 0.75%*
APPLY NOW
Key Features:
⍟ Get Loan in 30 Minutes
⍟ Highest Gold Rate in India
⍟ 100% Safety of Your Gold
⍟ Minimum Documentation
⍟ Without EMI Gold Loan
⍟ Gold Loan in 1 Visit
⍟ No Melting of Gold
⍟ 24 x 7 Online Payment Facility
⍟ No Hidden Charges
Gold Loan Hyderabad Interest Rates – Mar 23 2025
| Bank | Interest Rate |
| HDFC Bank Gold Loan | 9.9% to 14% |
| Axis Bank Gold Loan | 10.50% to 16% |
| Private Bank Gold Loan | 10.75% to 16% |
| SBI Gold Loan | 9.5 % to 13% |
| Kotak Gold Loan | 11% to 14% |
| IIFL Gold Loan | 9.24% to 24% |
| Muthoot Gold Loan | 12% to 24% |
| Manappauram Gold Loan | 12% to 26% |
| PNB Gold Loan | 10.05% to 16% |
| Canara Bank Gold Loan | 9.75 % to 13% |
| Andhra Bank Gold Loan | 10.70% to 16% |
GOLD LOAN @ 0.75%*
APPLY NOW
Gold Loan Per Gram For All Major Bank in Hyderabad – Mar 23 2025
| Bank / NBFC | Rate Per Gram | Interest Rate | Gold Loan Tenure | Min - Max Loan Amount |
| HDFC Gold Loan | ₹ 3,506 to ₹ 4,621 | 9.90% | 3 to 24 months | ₹ 10 thousand to 5 crore |
| Private Gold Loan | ₹ 3,506 to ₹ 4,821 | 10.00% | 6 to 12 months | ₹ 10 thousand to 5 crore |
| Muthoot Finance Gold Loan | ₹ 3,506 to ₹ 4,621 | 12.00% | 7 days to 36 months | ₹ 3 thousand to 1 crore |
| Manappuram Gold Loan | ₹ 3,506 to ₹ 4,621 | 12.25% | 12 months | ₹ 3 thousand to 1 crore |
| Canara Bank Gold Loan | ₹ 3,506 to ₹ 4,621 | 10.25% | 36 months | ₹ 20 thousand to 50 lakh |
| Axis Bank Gold Loan | ₹ 3,506 to ₹ 4,621 | 10.00% | 3 to 36 months | ₹ 10 thousand to 5 crore |
| SBI Gold Loan | ₹ 3,506 to ₹ 4,621 | 9.75% | 12 to 36 months | ₹ 20 thousand to 50 lakh |
| Indian Bank Gold Loan | ₹ 3,506 to ₹ 4,621 | 7.50% | 3 to 36 months | ₹ 20 thousand to 50 lakh |
| Bank of Baroda Gold Loan | ₹ 3,506 to ₹ 4,621 | 10.25% | 12 months | ₹ 20 thousand to 50 lakh |
| Yes Bank Gold Loan | ₹ 3,506 to ₹ 4,621 | 10.25% | 12 months | ₹ 10 thousand to 5 crore |
| IIFL Gold Loan | ₹ 3,506 to ₹ 4,621 | 12.00% | 11 months | ₹ 3 thousand to 50 lakh |
Gold Loan Eligibility Criteria in Hyderabad
| Minimum and Maximum Age |
21 Yrs – 60 Yrs
Note: However, many banks require a minimum age of 23 years |
| Loan Amount |
Up to ₹ 2 Cr. Some banks restrict maximum eligibility to ₹ 20 Lakh
Interest rates are lower for a higher loan amount |
| Employment Type |
Salaried and self-employed both are eligible
Businessmen are increasingly taking gold loans to meet their working capital requirements. In fact, housewives, senior citizens who are not eligible for other loans because they have no income proofs can easily avail of gold loans. |
| Quality of Gold |
Gold ornaments should range in between 18 to 24 Carats
An average gold price of 22-carat gold for the preceding 30 days is adjusted down for purity. So, the price of 20 Carat jewellery can be estimated by multiplying the price of 22 Carat jewellery by a factor of 20/22 |
| CIBIL Score |
Banks do not check CIBIL score for granting a gold loan
However, your repayment track record for a gold loan is counted towards your CIBIL score and hence, can be instrumental in building your CIBIL score |
| Gold ornaments that can be used for availing loan |
Gold bars and coins
Gold with 18-24 carat purity |
| Employment track record and income proofs |
Banks do not check your job stability or business stability to sanction you a gold loan. Gold loans are granted without income proofs. You only need to submit your basic KYC documents such as address proof, identity proof, and an Aadhaar card to avail of this loan.
|
GOLD LOAN @ 0.75%*
APPLY NOW
Documents for Gold Loan Hyderabad
At the time of application the following documents are required:
- Proof of the citizenship of India
- Duly filled application form
- 2 passport-sized photographs
- Applicant’s KYC documents to establish Identity and Address
- Salary/ Income Proof
- Witness Letter in case of illiterate borrowers
- In the case of Agriculture Loan of more than Rs. 1 lac, land proof
- Certificate by the Jewel Appraiser (Bank will arrange)
At the time of disbursement the following documents are required:
- Demand Promissory Note & Demand Promissory Note Take Delivery Letter
- Gold Ornaments Take Delivery Letter
- Arrangement Letter
Eligibility Criteria for Gold Loan Hyderabad
- The applicant should be at least 21 years of age
- The applicants’ age should not be more than 60 years
- He/she should be a national citizen
GOLD LOAN @ 0.75%*
APPLY NOW
How to Apply for Gold Loan Hyderabad
Online Process to Apply for Gold Loan Hyderabad
You can apply for Gold Loan at Dialabank. The process is straightforward. To begin, you have to fill a simple form online. Soon you will receive a call from our relationship manager who will make sure your experience is hassle-free.
There are many reasons that Dialabank is considered as the best platform to apply for gold loan Hyderabad online.
- First of all, Dialabank is India’s first financial helpline.
- Avail the lowest rate of interest on gold loan per gram only with Dialabank.
- Dialabank provides a document pickup facility from the doorstep of the customer.
- We do not charge you for our services.
- The relationship manager will help you to avail high LTV of your gold.
Follow the steps below to apply with DialaBank online:
- Visit Dialabank.
- Fill in the required details like name, income, location etc.
- Click on Gold loan from the options given below and click on “Request a quote”.
- You will be provided with the best offers on gold loan Hyderabad by DialaBank.
Offline Process to Apply for Gold Loan Hyderabad
The applicant also has an option to avail Gold Loan from the nearby branches. To do so, search Gold Loan near me on google. It will enlist all the neighboring departments from where you can avail the loan.
Thus, it avoid this tiresome approach, just follow the steps mentioned above and enjoy your hassle-free experience.
GOLD LOAN @ 0.75%*
APPLY NOW
Processing Fees / Prepayment Charges on Gold Loan Hyderabad
Bank |
Processing Fee |
Prepayment Charges |
HDFC Bank Gold Loan |
0.25% to 1.50% |
2%, Nil foreclosure charges after 3 months |
Axis Bank Gold Loan |
0.50% to 1.50% |
Nil |
Private Bank Gold Loan |
0.25% to 1.50% |
2%, Nil foreclosure charges after 9 months |
SBI Gold Loan |
500/- to 0.50% |
Nil |
Kotak Gold Loan |
1% to 2% |
2.25% of fore closure amount if closed 1 month ahead of the tenure.
|
IIFL Gold Loan |
Nil |
Nil |
Muthoot Gold Loan |
Nil |
Nil |
Manappauram Gold Loan |
Nil |
Nil |
PNB Gold Loan |
0.70% to 1% |
Nil |
Canara Bank Gold Loan |
1% |
Nil |
Andhra Bank Gold Loan |
Nil |
Nil |
EMI Gold Loan Scheme with Bullet Repayment Scheme Comparison
| Monthly Payment | EMI Scheme (₹) |
Bullet Repayment (₹)
|
| Month 1 | 27007 | 3625 |
| Month 2 | 27007 | 3625 |
| Month 3 | 27007 | 3625 |
| Month 4 | 27007 | 3625 |
| Month 5 | 27007 | 3625 |
| Month 6 | 27007 | 3625 |
| Month 7 | 27007 | 3625 |
| Month 8 | 27007 | 3625 |
| Month 9 | 27007 | 3625 |
| Month 10 | 27007 | 3625 |
| Month 11 | 27007 | 3625 |
| Month 12 | 27007 | 3625 |
|
Bullet Payment (At the end of 12 months)
|
₹ 3 Lakh | |
| Total Payment | ₹ 3.24 Lakh | ₹ 3.44 Lakh |
GOLD LOAN @ 0.75%*
APPLY NOW
CIBIL Score Required for Gold Loan Hyderabad
All major banks and NBFCs provide you gold loan, irrespective of your CIBIL score.
Compare Gold Loan Rate Per Gram and Lowest EMI of All banks in Hyderabad
| Bank | Interest Rate | Lowest EMI Per Lakh |
Eligible Loan Amount For Max Tenure
|
| SBI Gold Loan | 7.50% | Rs. 3,111 |
Rs. 20 Lakh for 36 months
|
| Muthoot Gold Loan | 11.99% | Rs. 3,321 |
Rs. 50 Lakh for 36 months
|
| Manappuram Gold Loan | 12.00% | Rs. 8,885 |
Rs. 1 Cr for 12 months
|
| HDFC Bank Gold Loan | 9.90% | Rs. 4,591 |
Rs. 50 Lakh for 24 months
|
| Yes Bank Gold Loan | 9.99% | Rs. 3,226 |
Rs. 50 Lakh for 36 months
|
| Private Bank Gold Loan | 10.00% | Rs. 8,792 |
Rs. 15 Lakh for 12 months
|
| Federal Bank Gold Loan | 8.50% | Rs. 8,722 |
Rs. 75 Lakh for 12 months
|
| Canara Bank Gold Loan | 7.65% | Rs. 8,683 |
Rs. 10 Lakh for 12 months
|
| Andhra Bank Gold Loan | 10.70% | Rs. 8,824 |
Rs. 2 Cr for 12 months
|
| Axis Bank Gold Loan | 13.00% | Rs. 4,754 |
Rs. 20 Lakh for 24 months
|
| IndusInd Bank Gold Loan | 10.00% | Rs. 8,792 |
Rs. 10 Lakh for 12 months
|
| PNB Gold Loan | 8.75% | Rs. 8,734 |
Rs. 10 Lakh for 12 months
|
| Fincare Small Finance Bank Gold Loan | 12.99% | Rs. 11,721 |
Rs. 40 Lakh for 9 Months
|
GOLD LOAN @ 0.75%*
APPLY NOW
Gold Loan Hyderabad Agents
Dialabank is the leading agent for availing Gold Loan in Hyderabad. The presence of DialaBank across the country makes it an easy choice while thinking of Gold loan.
It has connectivity with top banks that provide the lowest Gold loan interest rate. Also, you will be assisted by our relationship managers throughout the process to make sure you have the right value for your gold.
Gold Loan Hyderabad Contact Number
Call 9878981144 and get instant help and approval for Gold Loan in Hyderabad.
GOLD LOAN @ 0.75%*
APPLY NOW
Pre Calculated EMI Table for Gold Loan Hyderabad
Rate |
5 Yrs |
4 Yrs |
3 Yrs |
10.50% |
2149 |
2560 |
3250 |
11.00% |
2174 |
2584 |
3273 |
11.50% |
2199 |
2608 |
3297 |
12.00% |
2224 |
2633 |
3321 |
12.50% |
2249 |
2658 |
3345 |
13.00% |
2275 |
2682 |
3369 |
13.50% |
2300 |
2707 |
3393 |
14.00% |
2326 |
2732 |
3417 |
14.50% |
2352 |
2757 |
3442 |
15.00% |
2378 |
2783 |
3466 |
About Hyderabad
Hyderabad is a famous city situated in Telangana, India. The city has emerged as a major hub for technology industry in India. It is home to various monuments of historical importance like Golconda Fort and Charminar. Hyderabad is the fourth richest city in India and is home to many up-scale restaurants and shops. The city is considered as one of the best cities to live in India because of its advancement and upgradation.
GOLD LOAN @ 0.75%*
APPLY NOW
Gold Loan Hyderabad FAQs
✅ How to get Gold Loan Hyderabad?
To get a gold loan a person can either walk into the nearest gold loan offering bank branch with their gold and basic documents like Aadhar Card and PAN Card or they can fill an inquiry form and apply online at Dialabank’s digital platform for better convenience and personalized assistance.
✅ How much gold loan can I get?
Most Banking and Non-Banking institutes offer gold loans with a LTV ratio between 65% and 75%. This means a person can avail the loan amount of up to 75% of their gold’s market value. This amount on average varies between Rs. 10000 to Rs. 50 Lakhs depending upon the purity of one’s gold.
✅ The lowest gold loan interest rate is available in which bank?
Currently, HDFC Bank is offering the lowest rate of interest for a gold loan starting at 10.50% per annum. HDFC Bank grants loans with a LTV ratio of 75%.
