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 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
| Bank | Rate of Interest (p.a.) | Loan Amount | Processing Fee | Tenure |
|---|---|---|---|---|
| Rupeek Gold Loan | 8.88% - 20.28% p.a. | Up to 20 Lakhs | NA | Upto 12 months |
| Union Bank Gold Loan | 8.25% - 10.15% p.a. | No upper limit | Rs 100 to Rs 1000 | 12 months |
| UCO Bank Gold Loan | 7.40% - 7.90% p.a. | No upper limit | Up to 0.20% | Decided by the bank |
| PNB Gold Loan | 8.65% p.a. | Rs. 25 000 to Rs. 25 Lakhs | 0.30% or Rs. 500 + GST, whichever is higher | Up to 12 months |
| Bank of Baroda Gold Loan | 9.20% - 9.30% | Up to Rs. 25 Lakhs | Up to 0.50% + GST | 1 year - 3 years |
| Canara Bank Gold Loan | 13% onwards | Rs. 5,000 - Rs. 35 Lakhs | 1% | 6 months - 1 year |
| HDFC Bank Gold Loan | 7.60% - 16.81% | Rs. 25,000 onwards (Rs. 10,000 onwards in rural markets) | 1% | 3 months - 2 years |
| SBI Gold Loan | 8% | Rs. 20,000 - Rs. 50 Lakhs | Nil till 31.01.2023 | Up to 3 years |
| Indian Bank Gold Loan | 8.25% onwards | No upper limit | 0.50% | Up to 35 months |
| ICICI Bank Gold Loan | 10% - 17.95% | Rs. 50,000 - Rs. 1 Crore | 1% | 6 months - 1 year |
| Kotak Mahindra Bank Gold Loan | 8% - 17% | Rs. 20,000 - Rs. 1.5 Crores | Up to 2% + GST | Up to 4 years |
| Axis Bank Gold Loan | 17% - 19% | Rs. 25,001 - Rs. 25 Lakhs | Up 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
| Features | Regular Rebate (non-fixed interest rate) |
|---|---|
| Interest Rate | Starts 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 Schedule | Monthly (Rebate available for timely payments) |
| Loan Tenure | 12 months |
| Best suited for | Customers with regular income who wish to avail interest rebates by making monthly repayment in full and on time |
No Tension Rupeek Gold Loan
| Features | No Tension (fixed interest rate) |
|---|---|
| Interest Rate | 8.88% - 20.28% p.a. |
| Sub-schemes | Max value (1.39% onwards) |
| Repayment Schedule | Anytime payment accepted within 6 months |
| Loan Tenure | 12 months |
| Best suited for | Customers 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 Rate | 8.88% - 20.28% p.a. |
| Tenure | 12 months |
| Repayment schedule | Monthly and One time repayment |
| Loan Charges | Depends 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
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