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Compare gold loans by matching the amount and duration, then measuring every payment and charge—not by picking the lowest advertised interest rate. Ask each lender for a dated written quote or Key Fact Statement (KFS), and check how it values your jewellery, when payments fall due, and what happens if you cannot repay on time.
Get comparable written offers
Ask each lender to quote for the same intended loan amount, term and pledged jewellery. Record the offer date: rates and charges depend on the scheme and can change, so an undated headline rate is not a reliable comparison.
For each offer, capture the annual rate, whether it varies by scheme or repayment pattern, the total interest, and the amount due on every payment date. Also record the processing fee, valuation or appraisal/assaying fee, stamp or documentation charges, taxes where applicable, renewal charges, late-payment or overdue charges, and any prepayment or foreclosure cost. The KFS and loan agreement are the documents to check for the charges that apply to your offer.
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Compare total cost and payment dates
Compare the cash you will actually need to pay for the same borrowing amount and period. Include all charges as well as interest, and note when each amount is due. A lower annual rate can still cost more if upfront or overdue charges are higher.
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| Repayment structure | What to compare |
|---|---|
| EMI | Each instalment, its due date, and the total payable over the term. |
| Periodic interest | Interest payment amount and frequency, plus when the principal must be repaid. |
| Overdraft-style use | How interest is calculated on the amount used, when it is payable, and the maturity or renewal terms. |
| Lump-sum or bullet repayment | Interest due along the way, if any, and the principal plus other amounts due at maturity. |
Choose a payment pattern that fits the cash you expect to have on each due date. A bullet structure may have manageable interim payments but a large maturity amount; do not treat it as affordable unless you can meet that final obligation.
Check how the lender values your jewellery
Different lenders may offer different amounts against the same ornaments. Ask for the eligible net gold weight and purity used in the calculation, the gold price basis and date, and the resulting valuation and loan-to-value (LTV) calculation. Gross jewellery weight and the original retail purchase price are not necessarily the basis for the loan.
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Federal Bank says its valuation basis uses the preceding 30-day average closing price of 22-karat gold published by IBJA; the applicable basis and rate can vary by scheme. Confirm the current offer and agreement rather than assuming that method applies to every lender or product. (Federal Bank gold-loan page)
Read the default, auction and release terms
Before pledging jewellery, read the KFS and agreement for the collateral description and value, charges, overdue/default handling, and the circumstances and procedure for auction. Check how much notice the lender must give before auction, how auction surplus is treated, and how long release of the collateral takes after full repayment or settlement.
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The RBI’s Lending Against Gold and Silver Collateral Directions, 2025 address these subjects in loan documentation. The direction text states that applicable charges, including assaying and auction charges, should be included in the loan agreement and KFS. The available copy is an archived version of the direction; consult the current RBI-hosted text for the governing requirements. (Archived text of the RBI directions)
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Use lender examples as scheme-specific terms, not benchmarks
Central Bank of India’s Cent Gold Loan Scheme page is one example of a lender publishing a repayment period, processing and appraisal charges, valuation methodology and prepayment/foreclosure terms. The page says its cited terms are valid through March 31, 2027. Treat those details as terms of that particular scheme, not as a market standard or recommendation; verify the quote and agreement for your own offer. (Central Bank of India Cent Gold Loan Scheme)
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Federal Bank’s page describes both lump-sum and EMI options and says interest varies by scheme. That is another reason to compare the specific repayment option and written terms rather than a lender-wide rate claim. (Federal Bank gold-loan page)
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A practical comparison checklist
- Request a dated written quote or KFS from each lender for the same amount, term and collateral.
- Write down the annual rate, total interest and every amount due on its due date.
- Add all applicable processing, appraisal/assaying, documentation, tax, renewal, overdue and foreclosure costs.
- Record the repayment type, maturity date and largest payment you will need to make.
- Compare eligible weight, purity, price basis/date, valuation and LTV for the jewellery offered.
- Check default and auction terms, required notice, surplus treatment and collateral-release timing after settlement.
- Choose based on total cash cost and a repayment schedule you can meet, not the headline rate alone.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
