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SECURED GOLD CREDIT

₹2 Lakh Gold Loan — Rates, Per-Gram Value & Repayment

Unlock the value of your gold instantly. Secure, hassle-free Gold Loans up to ₹2 Crore with minimum interest rates and immediate disbursal.

Calculate EMI

₹2 Lakh Gold Loan — Overview & Key Details

Review how the facility works and plan your application with complete clarity.

EASYCRED Gold Loan lets you leverage your gold jewelry or ornaments to secure instant funds for any personal or business requirement. Since it is a secured loan backed by physical gold, approval is virtually instant with minimal documentation and no strict credit score requirements.

We partner with top banks and NBFCs to bring you the best value per gram of gold, lowest interest rates, and highly flexible repayment options. Your gold remains stored in ultra-secure, fully insured vaults and is returned to you safely upon repayment.

100% Paperless Digital KYC
Transparent Key Fact Statement (KFS)
Direct Bank Account Disbursal

Calculate Your ₹2 Lakh Gold Loan EMI

Adjust the sliders to see your estimated monthly EMI instantly.

Loan Amount₹2,00,000
₹10,000₹2,00,00,000
Interest Rate (p.a.)9.9%
8.5%16%
Loan Tenure1 year
1 yr3 yrs
Your Monthly EMI
₹17.6K
for 12 months at 9.9% p.a.
Principal (95%) Interest (5%)
Total Payment₹2,10,887
Total Interest₹10,887
Principal₹2,00,000
Tenure12 months

Why Choose EASYCRED for ₹2 Lakh Gold Loan

Compare personalized credit offers from RBI-regulated lending partners through one seamless digital application.

Express Disbursal
Walk in with your gold and walk out with your loan amount in under 30 minutes.
Low Interest Rates
Rates starting from 8.50% p.a. — significantly cheaper than personal loans or credit cards.
Safe & Insured Storage
Pledged gold is stored in secure, fireproof, and 24/7 monitored bank-grade vaults with free insurance.
Flexible Repayment
Choose to pay only interest monthly, pay in regular EMIs, or make a single bullet payment at the end.

Eligibility Criteria & Required Documents

Transparent requirements designed for 100% paperless verification.

Eligibility Criteria
Age18 to 70 years
Gold Purity18 Karat to 24 Karat (gold ornaments, jewelry, or bank-issued coins up to 50g)
ProfessionSalaried, self-employed, farmers, traders, or homemakers
Credit ScoreNo minimum CIBIL score required (ideal for credit builders)
NationalityResident Indian citizen
Required Documents
  • PAN Card
  • Aadhaar Card
  • Passport
  • Voter ID Card
  • Aadhaar Card
  • Utility Bill
  • Driving License
  • Bank Passbook
  • Not mandatory, but gold purchase invoice is helpful for high-value loans

Frequently Asked Questions

Everything you need to know about eligibility, terms, and digital disbursal on EASYCRED.

Most banks and NBFCs accept gold jewelry and ornaments of 18 to 22 karats. Bank-issued gold coins (purity of 24 karats) are also accepted up to a maximum weight of 50 grams per applicant.

You can choose EMI (Principal + Interest monthly), Interest-Only payments (pay interest monthly, pay principal at maturity), or Bullet Repayment (pay both principal and interest together at the end of the tenure).
₹2 Lakh Gold Loan — Interest From 8.50% p.a. & 30-Min Approval | EASYCRED