A gold loan is a type of secured loan in which you pledge gold jewellery or coins as collateral to borrow money from a bank or non-banking financial company for personal or business needs.The lender assesses the purity and weight of the pledged gold and sanctions a loan amount based on its market value. In 2026, gold loan interest rates in India range from 8.5% to 24% per annum.The applicable rate depends not only on the value or purity of the gold but also on several other factors, including the loan tenur ...