Rupeek Gold Loan Interest Rate

Rupeek gold loan is one of the frontrunners when it comes to availing a gold loan. Starting from 8.88% - 20.28% p.a., Rupeek gold loan interest rate has numerous benefits apart from being one of the lowest gold loan interest rates currently available in the market. You can get a Rupeek gold loan in under 30 minutes from your doorstep.

  • Features
  • Compare Interest Rate
  • Types of Gold Loan
  • Gold Loan Per Gram Rate
  • Calculator
  • Fee & Charges

Features of Rupeek Gold Loan

The following are the main features of Rupeek gold loan-

  • You can do your gold loan repayments online without any hassle.
  • You can do a partial release and a full release of your gold ornaments from the comfort of your house.
  • You can get the maximum possible loan amount for your gold that you pledge with Rupeek.
  • No pre-closure charges.

Compare the Interest Rate of the Top Banks from Rupeek

BankRate of Interest (p.a.)Loan AmountProcessing FeeTenure
Rupeek Gold Loan8.88% - 20.28% p.a.Up to 20 LakhsNAUpto 12 months
Union Bank Gold Loan8.25% - 10.15% p.a.No upper limitRs 100 to Rs 100012 months
UCO Bank Gold Loan7.40% - 7.90% p.a.No upper limitUp to 0.20%Decided by the bank
PNB Gold Loan8.65% p.a.Rs. 25 000 to Rs. 25 Lakhs0.30% or Rs. 500 + GST, whichever is higherUp to 12 months
Bank of Baroda Gold Loan9.20% - 9.30%Up to Rs. 25 LakhsUp to 0.50% + GST1 year - 3 years
Canara Bank Gold Loan13% onwardsRs. 5,000 - Rs. 35 Lakhs1%6 months - 1 year
HDFC Bank Gold Loan7.60% - 16.81%Rs. 25,000 onwards (Rs. 10,000 onwards in rural markets)1%3 months - 2 years
SBI Gold Loan8%Rs. 20,000 - Rs. 50 LakhsNil till 31.01.2023Up to 3 years
Indian Bank Gold Loan8.25% onwardsNo upper limit0.50%Up to 35 months
ICICI Bank Gold Loan10% - 17.95%Rs. 50,000 - Rs. 1 Crore1%6 months - 1 year
Kotak Mahindra Bank Gold Loan8% - 17%Rs. 20,000 - Rs. 1.5 CroresUp to 2% + GSTUp to 4 years
Axis Bank Gold Loan17% - 19%Rs. 25,001 - Rs. 25 LakhsUp to 0.50%6 months - 3 years

Types of Gold Loan in Rupeek

There are primarily 2 types of Rupeek gold loans - Regular Rebate( non-fixed interest) and No Tension(fixed interest).

Regular Rebate Rupeek Gold Loan

FeaturesRegular Rebate (non-fixed interest rate)
Interest RateStarts from 8.88% - 20.28% p.a.
Sub-schemes

1. High Value (0.71% onwards)

2. Max Value (1.19% onwards)

3. Max Value+ (1.19% onwards)

Repayment ScheduleMonthly (Rebate available for timely payments)
Loan Tenure12 months
Best suited forCustomers with regular income who wish to avail interest rebates by making monthly repayment in full and on time

No Tension Rupeek Gold Loan

FeaturesNo Tension (fixed interest rate)
Interest Rate8.88% - 20.28% p.a.
Sub-schemesMax value (1.39% onwards)
Repayment ScheduleAnytime payment accepted within 6 months
Loan Tenure12 months
Best suited forCustomers with irregular cash flow who want to avoid the stress of regular repayment

Gold Loan Per Gram Rate in Rupeek

The gold loan per gram rate in Rupeek is Rs 5402 as seen in June 2025. The gold loan per gram rate changes daily as per the market value of one gram of gold. This is referred to as the LTV or Loan-to-Value ratio. For example, if the LTV is 75% and the value of the pledged gold is worth Rs. 1 lakh, a borrower will get a loan of Rs. 75,000.

Rupeek Gold Loan Calculator

To know about the Rupeek gold loan calculator, it is important to understand what things are needed to calculate the details for your gold loan. The first and foremost important thing is the purity of your gold. if you know how many carats your gold is then it's okay, but if you don’t know, then you will be required to get your gold valued. You can do so either at the Rupeek facilities or you can walk into any good jewellery store to learn the same. Once you have the value of gold with you, then it will be very easy to assess and get an idea about the amount that you can get as a gold loan. Normally, banks and institutions give gold loans, which are around 70-80% of the gold’s current value on that day. In the case of Rupeek, also, this is also the process that will be followed.

Rupeek Gold Loan Fee and Charges

Please refer to the table below to know the specifics about the Rupeek gold loan fee and charges.

Interest Rate8.88% - 20.28% p.a.
Tenure12 months
Repayment scheduleMonthly and One time repayment 
Loan ChargesDepends on individual case

FAQs

Yes, Rupeek is RBI registered.

The interest rate depends on the purity and quantity of gold that you are pledging into the bank or financial institution.

The maximum tenure for Rupeek Gold Loan is 12 months

Updated On Jun 9, 2025
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Written By Reshma RawatAssistant Content Manager of MyMoneyMantraCredit Cards, Credit Score, Personal Loan, Home Loan, etc.

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Written By Abhijeet SinghSenior Editor of MyMoneyMantraCredit Cards, Credit Score, Personal Loan, Home Loan, etc.

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Senior Editor of MyMoneyMantra