{"id":17801,"date":"2025-10-06T01:18:58","date_gmt":"2025-10-06T01:18:58","guid":{"rendered":"http:\/\/tezgyan.com\/index.php\/2025\/10\/06\/gold-loan-interest-rate-comparison-here-are-the-top-5-banks-offering-the-lowest-rates-in-2025-savings-and-investments-news\/"},"modified":"2025-10-06T01:18:58","modified_gmt":"2025-10-06T01:18:58","slug":"gold-loan-interest-rate-comparison-here-are-the-top-5-banks-offering-the-lowest-rates-in-2025-savings-and-investments-news","status":"publish","type":"post","link":"https:\/\/tezgyan.com\/index.php\/2025\/10\/06\/gold-loan-interest-rate-comparison-here-are-the-top-5-banks-offering-the-lowest-rates-in-2025-savings-and-investments-news\/","title":{"rendered":"Gold Loan Interest Rate Comparison: Here Are The Top 5 Banks Offering the Lowest Rates In 2025 | Savings and Investments News"},"content":{"rendered":"


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Gold loan demand in India surged 122 percent in 2025 to Rs 2.94 lakh crore, driven by high gold prices and RBI regulations.<\/h2>\n
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Gold Loan<\/p>\n<\/figure>\n

Gold Loan Interest Rate Comparison: <\/strong>The demand for gold loan in India has risen exponentially in 2025 to touch 122 per cent year-on-year to Rs 2.94 lakh crore, driven by high gold prices and relaxed regulations from the Reserve Bank of India (RBI).<\/p>\n

Backed by physical gold, gold loans provide a quick and reliable way to get funds for emergencies, business needs, or personal goals without having to sell your gold permanently.<\/p>\n

Gold has also followed a similar pattern this year. It has given a 44 per cent return. Tata Mutual Fund, in its report has mentioned factors triggering the gold prices: 1) central banks across globe buying gold in the last 10 years, have almost doubled in last 10 years, 2) US FED rate cut by 25 bps on September 17 sparked gold price rally, global uncertainty is fueling the \u201cflight to safety”, strong investment demand, and rupee depreciation amplifying gold returns.<\/p>\n

Thus, the demand for gold loan has risen.<\/p>\n

However, borrowers need to pay an interest till the maturity period of gold holding. The interest depends on bank-to-bank, starting from 8.05 per cent.<\/p>\n

Top 5 Banks with the Lowest Gold Loan Interest Rates in 2025:<\/strong><\/p>\n

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Rank<\/th>\nBank Name<\/th>\nInterest Rate (p.a.)<\/th>\nLoan Tenure<\/th>\nProcessing Fee<\/th>\nLoan Limit<\/th>\n<\/tr>\n<\/thead>\n
1<\/td>\nCentral Bank of India<\/td>\n8.05% \u2013 8.35%<\/strong><\/td>\nUp to 12 months<\/td>\n0.25% of the loan amount + GST<\/td>\nRs. 10,000 \u2013 Rs. 40 Lakhs<\/td>\n<\/tr>\n
2<\/td>\nIndian Overseas Bank<\/td>\n8.20% \u2013 11.60%<\/strong><\/td>\nUp to 12 months<\/td>\nVaries by loan amount<\/td>\nRs. 25,000 \u2013 Rs. 50 Lakhs<\/td>\n<\/tr>\n
3<\/td>\nPunjab National Bank<\/td>\n8.35% onwards<\/strong><\/td>\n12 months<\/td>\n0.30% of the loan amount + GST<\/td>\nRs. 25,000 \u2013 Rs. 25 Lakhs<\/td>\n<\/tr>\n
4<\/td>\nBank of India<\/td>\n8.6% \u2013 8.75%<\/strong><\/td>\nUp to 12 months<\/td>\nUp to Rs. 1,500<\/td>\nRs. 20,000 \u2013 Rs. 30 Lakhs<\/td>\n<\/tr>\n
5<\/td>\nState Bank of India<\/td>\n8.75% onwards<\/strong><\/td>\nUp to 36 months<\/td>\n0.25% of the loan amount<\/td>\nRs. 20,000 \u2013 Rs. 50 Lakhs<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

(Source: ClearTax)<\/p>\n<\/div>\n

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\"Varun<\/figure>\n

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Varun Yadav<\/a><\/p>\n

Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst…Read More<\/span><\/p>\n<\/div>\n<\/div>\n

Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst… Read More<\/span><\/p>\n<\/div>\n<\/div>\n

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First Published:<\/span><\/p>\n
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October 06, 2025, 06:30 IST<\/p>\n<\/div>\n<\/div>\n

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Last Updated:October 06, 2025, 06:30 IST Gold loan demand in India surged 122 percent in 2025 to Rs 2.94 lakh crore, driven by high gold prices and RBI regulations. Gold Loan Gold Loan Interest Rate Comparison: The demand for gold loan in India has risen exponentially in 2025 to touch 122 per cent year-on-year to…<\/p>\n","protected":false},"author":1,"featured_media":10735,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-17801","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"_links":{"self":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/17801","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/comments?post=17801"}],"version-history":[{"count":0,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/17801\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media\/10735"}],"wp:attachment":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media?parent=17801"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/categories?post=17801"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/tags?post=17801"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}