Short answer: Rupeek, Muthoot Finance (Gold Loan@Home) and Muthoot FinCorp offer doorstep gold loans; Manappuram, IIFL, SBI (YONO) and Federal Bank let you apply online and visit a branch once for valuation. Rates start near 8.5% to 9% at banks and NBFCs.
Last verified: 12 October 2026 from each lender’s official website and, where marked, its Google Play listing. FundsTiger does not rank lenders; tables are sorted by the figure in question, and the right choice is the one with the lowest APR you are actually offered.
| Lender | Online and doorstep | Rate | Smallest loan |
|---|---|---|---|
| Muthoot Finance | Gold Loan@Home (up to ₹500 charge); online top-ups via iMuthoot | From 9% a year if interest is paid monthly; compounded monthly; scheme rates not published | From ₹1,500; no fixed maximum (some schemes up to ₹5 crore) |
| Manappuram Finance | Online gold loan 24×7 | 9.90% to 24% a year by scheme and how often you pay interest; annualised 26.82% | From ₹10,000 to ₹5 crore |
| IIFL Gold Loan | Apply online and book a branch slot; one branch visit to value the gold | From 9.72% a year (fee table: 11.88% to 27%) | From ₹3,000; no fixed maximum |
| SBI Gold Loan | Apply online or via YONO; gold valued at the branch | 9.15% (12-month bullet) to 10.10% (EMI and overdraft), as on 16 June 2026 | ₹20,000 to ₹50 lakh (one FAQ says up to ₹1 crore) |
| Rupeek | Doorstep valuation and pickup with transit insurance, or valuation at a partner bank branch | Set by the partner lender; no rate table published (site mentions rates “as low as 0.89%”, period not stated) | ₹30,000 to ₹1.5 crore |
| Muthoot FinCorp | At Home service with insured transit; online renewals in the Muthoot FinCorp One app | From 11.99% to 12% a year (pages differ); scheme rates not published | From ₹1,000; no fixed maximum |
| HDFC Bank Gold Loan | Apply online; gold valued at the branch | 9% to 19% a year actually charged in Jan to Mar 2026 (average 10.86%); APR 9.01% to 19.08% | ₹25,000 to ₹3.5 crore (older product page) |
| ICICI Bank Gold Loan | Online lead form; gold valued at the branch | 9% to 16% a year charged in Apr to Jun 2026 (average 10.96%) | From ₹2 lakh (₹3 lakh for new customers in metros) to ₹2 to ₹3 crore (pages differ) |
| Federal Bank Gold Loan | Apply online; doorstep through partner fintechs; Digi Gold overdraft | 8.50% to 22.90% a year (Q1 2026-27 credit pricing; average 10.87%); APR 9.68% to 26.03% | ₹3,000 to ₹1.5 crore |
| Kotak Gold Loan | Apply online; approval within 4 hours (claimed) | 9% to 20% a year by loan type, amount and tenure; 0.88% a month above ₹8 lakh for over 12 months | Not published |
See all rates and charges on our gold loan rates page and check how much your gold can raise with the gold loan calculator.
Compare them side by side
Muthoot Finance vs Manappuram Finance · Muthoot Finance vs IIFL Gold Loan · Manappuram Finance vs IIFL Gold Loan · SBI Gold Loan vs Muthoot Finance · Rupeek vs Muthoot Finance · Rupeek vs Manappuram Finance · Muthoot FinCorp vs Muthoot Finance · HDFC Bank Gold Loan vs SBI Gold Loan · HDFC Bank Gold Loan vs Muthoot Finance · ICICI Bank Gold Loan vs Manappuram Finance · Federal Bank Gold Loan vs SBI Gold Loan · Kotak Gold Loan vs Muthoot Finance · All comparisons
Before you apply
- Find the lender’s name in the app and check it on RBI’s list of digital lending apps or our RBI-registered NBFC search.
- Read the Key Fact Statement (KFS) before you accept. It must show the APR, every fee and the total you will repay.
- Never pay a fee before the loan is disbursed. Regulated lenders deduct fees from the loan or add them to the EMI.
- Apply to one or two lenders, not ten. Each application is a hard enquiry on your credit report.
- Check that the EMI fits your budget with our FOIR calculator.
Want to see offers from several RBI-regulated lenders in one place?
Frequently asked questions
Is a doorstep gold loan safe?
Use only regulated lenders or their named partners. Rupeek says gold is insured in transit and stored in partner bank vaults. Check the lender named on your pledge receipt.
Can I take a gold loan fully online?
Your gold must be physically valued, at a branch or at your home. After that, top-ups, renewals and repayment can be done in the app.
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Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.