RBL Bank Gold Loan


RBL Bank Gold Loan is an ideal solution to meet your immediate liquidity needs. With competitive RBL Bank gold loan interest rates, you can rely on us to provide the financial support you need, allowing you to focus on living life comfortably while we take care of your instant funding requirements.


The loan amount for RBL Bank Gold Loan starts from INR 25,000 to INR 25 Lakhs, with a loan tenure of 3 months to 12 months.

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Table of Contents:

RBL Bank Gold Loan Interest Rates & Charges

The following table provides an overview of the key features of the RBL Bank Gold Loan, including loan amount, tenure, interest rate, and repayment options to help you make an informed decision.

Feature Details
Loan Amount INR 25,000 to INR 25 Lakhs
Loan Tenure 3 months to 12 months
Interest Rate Competitive

Disclaimer: The interest rates and loan terms are subject to change based on market conditions and the applicant's profile.

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Features & Benefits of RBL Bank Gold loan

RBL Bank Gold Loan provides a variety of features designed to offer quick financial solutions with minimal hassle. Here are the detailed benefits:

Loan Amount: Loan amounts range from INR 25,000 to INR 25 Lakhs, catering to different financial needs, whether personal or business-related.

Loan Tenure: Flexible loan tenure options from 3 months to 12 months, giving you the freedom to choose a repayment term that suits your needs.

Higher Loan-to-Value (LTV) Ratio: RBL Bank offers a higher LTV ratio based on the current market price of your gold, ensuring you get the maximum possible loan value.

On-the-Spot Gold Valuation: Immediate assessment and valuation of your gold at the branch to determine your loan eligibility, followed by swift loan disbursal.

Safe Storage of Gold: Your gold is securely stored in RBL Bank's vaults, ensuring its safety throughout the loan tenure.

Convenient Repayment Options: Repayment options include monthly interest servicing, with principal repayment at the end of the loan tenure, making it easier to manage cash flow.

Minimal Documentation: RBL Bank simplifies the application process by requiring minimal documentation, making the loan approval process quick and hassle-free.

Compare Gold Loan Interest Rates

Here’s a comparison of gold loan interest rates across Top banks and NBFCs to help you choose the best option:

Bank/NBFC Gold Loan Interest Rate % p.a.
RBL Bank Gold Loan Competitive RBL Bank Gold Loan Interest Rate
Karnataka Bank Gold Loan Starting at 10.68% p.a.
Bank of Maharashtra Gold Loan 9.30%
SBI Gold Loan 9.05%

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Note: The interest rates mentioned above are subject to change at the lender's discretion.

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RBL Bank Gold loan Eligibility

The table below outlines the eligibility requirements for availing RBL Bank Gold Loan, including the applicant's age, residential status, and gold security criteria.

Eligibility Criteria Details
Applicant Type Any Indian resident who owns gold jewelry
Minimum Age 21 years
Maximum Age 60 years (for salaried individuals or retirement age, whichever is lower),
65 years for pensioners,
70 years for self-employed individuals
Security - Gold Jewellery Gold jewelry must have a minimum purity level of 18 karats and above
Weight The weight of stones in the jewelry should not exceed 40% of the total weight of the jewelry

Note: The gold jewelry used as security for the loan must have at least 18 karat purity, and the weight of stones in the jewelry should not exceed 40% of the total weight.

These criteria help in determining the loan amount and ensuring the loan process is secure for both the bank and the borrower.

Documents Required for RBL Bank Gold Loan

To apply for RBL Bank Gold Loan, you will need to submit the following documents. The table below outlines the required paperwork:

Document Type Required Document
Identity Proof Any one from Voter ID, Driving License, Passport, or Aadhar Card
Address Proof Any one from Voter ID, Driving License, Passport, Telephone or Bank Statement
PAN Card Individual PAN Card
Age Proof Proof of age document (e.g. Birth Certificate, Passport, etc.)
Signature Proof Any one from Driving License, Photo PAN Card, Passport, or Self-declaration

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RBL Bank Gold Loan Customer Care

For any inquiries or assistance related to RBL Bank’s products and services, including Gold Loans, you can reach out to the customer care team through the following contact details:

  • Phone: +91 22 6115 6300
  • Email: customercare@rblbank.com

RBL Bank’s customer care team is available to assist with loan applications, account queries, or any other banking-related concerns, ensuring a smooth and efficient banking experience.

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Frequently Asked Questions

An RBL Bank Gold Loan allows individuals to leverage their gold jewellery as collateral to obtain immediate funds. This secured loan is designed to meet urgent financial needs, offering quick approval and disbursal.

Indian residents aged between 21 and 60 years (or retirement age, whichever is earlier) for salaried individuals, 65 years for pensioners, and 70 years for self-employed individuals are eligible to apply. Applicants must own gold jewellery with a minimum purity of 18 karats.

RBL Bank accepts gold jewellery with a minimum purity of 18 karats. The weight of stones in the jewellery should not exceed 40% of the total jewellery weight.

RBL Bank offers gold loans ranging from ₹25,000 to ₹25 lakhs, depending on the value of the pledged gold and the applicant's eligibility.

The loan amount is determined based on the current market value of the pledged gold, considering its purity and weight. RBL Bank offers a higher loan-to-value (LTV) ratio, ensuring maximum value for your gold.

RBL Bank offers competitive interest rates on gold loans, starting at 7.11% per annum. The exact rate may vary based on factors such as the loan amount, tenure, and the applicant's profile.

Yes, RBL Bank charges a processing fee of 1.50% of the loan amount. Additional charges may apply, and it's advisable to check the latest fee structure before applying.

The repayment period for an RBL Bank gold loan ranges from 3 months to 24 months, offering flexibility to choose a tenure that suits your financial situation.

Yes, RBL Bank allows prepayment of gold loans. Prepayment charges are 2% of the outstanding principal amount plus applicable GST if done within 3 months of loan disbursal. After 3 months, no prepayment charges are applicable.

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