Gold loan interest rates vary with each bank. Indian Bank, ICICI, Axis Bank, HDFC, SBI, Canara Bank, and PNB all set their own rates for gold loans in 2025. Most banks show a starting rate and a maximum rate. Rates change based on the scheme, gold value, and borrower profile. Here’s a clear comparison.
Gold Loan Interest Rates 2025 Indian Bank
Indian Bank offers gold loans from around 8.75 percent to 9.15 percent yearly for most loan types. The lowest rate for agri jewel loans is 7 percent. Their OD against gold option is about 9.3 percent for women and up to 9.8 percent for others. You get short-term up to 35 months if you want EMIs. Bullet payment is available for up to 12 months. Processing fee is usually 0.5 percent.
Gold Loan Interest Rates 2025 ICICI Bank
ICICI gives gold loans at rates starting from 9.15 percent up to about 16.75 percent. The lowest rates apply for simple loans, mainly up to 2 crore. Agricultural loans are on the same scale. ICICI offers 6 to 12 month tenures. The processing fee is up to 2 percent of the loan amount. Repayment is by monthly EMIs or lump sum.
Gold Loan Interest Rates 2025 Axis Bank
Axis Bank’s rates start at 9.75 percent. Fixed rate loans go up to 17 percent. Tenure ranges from 6 months to 36 months. Processing fee is about 0.5 percent. The loan per gram changes with gold purity and market price. Agricultural schemes stick to the same broad interest rate range as regular loans. Axis applies a maximum LTV of 75 percent against gold.
Gold Loan Interest Rates 2025 HDFC Bank
HDFC offers gold loans starting at 9.3 percent. Rates go up to about 17.86 percent, mostly depending on the scheme, the customer type and the loan amount. Minimum loan is 25,000, with tenures up to 24 months. Processing charges go up to 1 percent. HDFC considers borrower profile for special rates, especially for salaried, farmers, and women. Repayment mode can be EMI, overdraft, or bullet payments.
Gold Loan Interest Rates 2025 SBI
SBI gold loan rates begin at 8.75 percent. Rates rise slightly with different schemes and loan durations, often up to 10.25 percent. Tenure can be from 3 months to 3 years. Fees are usually about 0.25 percent to 0.5 percent of loan amount. Bullet repayment and EMI schemes are offered. Maximum loan goes up to 50 lakh, minimum is 20,000. SBI supports multiple loan structures and repayment options.
Gold Loan Interest Rates 2025 Canara Bank
Canara Bank rates start at 8.75 percent for most gold loan products. Swarna Loan, Swarna Overdraft, and Swarna Express all follow the base rate. Tenure is up to 3 years and loan amounts reach 35 lakh. The fee ranges up to about 2750 plus GST. LTV can be up to 80 percent of the gold’s value depending on the product. Processing fees go up to 0.5 percent with a cap.
Gold Loan Interest Rates 2025 PNB
PNB gold loan rates start at about 8.35 percent for non-agri retail. The agri gold loan rate is 8.75 percent. Tenure stretches up to 36 months. Their processing charges are 0.3 percent of loan, or 500 rupees—whichever is higher. PNB matches rates to loan types, like retail, agri, or sovereign gold bond loans. Maximum loan is 25 lakh.
Comparison Table
| Bank | Lowest Rate | Highest Rate | Tenure Range | Processing Fee | Loan Range |
|---|---|---|---|---|---|
| Indian Bank | 7.0% | 9.80% | Up to 35 months | 0.5% | ₹25,000+ |
| ICICI | 9.15% | 16.75% | 6-12 months | Up to 2% | ₹50,000 - ₹2 Crore |
| Axis Bank | 9.75% | 17.00% | 6-36 months | 0.5% | ₹25,001 - ₹40 Lakhs |
| HDFC Bank | 9.30% | 17.86% | Up to 24 months | Up to 1% | ₹25,000 - ₹50 Lakhs |
| SBI | 8.75% | 10.25% | 3-36 months | 0.25% - 0.5% | ₹20,000 - ₹50 Lakhs |
| Canara Bank | 8.75% | 8.90% | Up to 3 years | Up to ₹2750 + GST / up to 0.5% | ₹5,000 - ₹35 Lakhs |
| PNB | 8.35% | 8.75% | Up to 36 months | 0.3% or ₹500 + GST | ₹25,000 - ₹25 Lakhs |
Disclaimer:
The gold loan interest rates, fees, and details mentioned above are based on publicly available information as of 2025. Actual rates and terms may vary depending on the bank’s latest policies, loan amount, borrower profile, and market conditions. Readers are advised to check official bank websites or visit the nearest branch for the most accurate and updated information before applying for a loan.
