Rupeek Gold Loan

Rupeek Fintech Private Ltd provides gold loans at interest rates starting from 0.74% per month, equivalent to 8.88% per annum, for loan amounts up to Rs 1.5 crore and tenure up to 1 year. The lender accepts gold jewellery of 18 carats and above as collateral for the loan. Rupeek claims to disburse the gold loan instantly within 30 minutes of document verification.

Rupeek Gold Loan Highlights

Interest Rate 0.74% per month (8.88% p.a.)
Collateral Gold items with a purity of 18 carat or more
Gold Loan Repayment Facility Bullet Repayment, Interest Payment and Part-payment
LTV Ratio Up to 75% of gold’s market value
Loan Amount Rs 15,000 - Rs 1.5 crore
Tenure Up to 1 year

Rupeek Gold Loan Interest Rates

Rupeek Gold Loan interest rates start from 0.74% per month (8.88% p.a.) onwards. The lender maintains a consistent interest rate structure across different loan tenures, loan amounts, and applicant profiles.

Also read: Best Gold Loan Interest Rate

Gold Loan Interest Rates Offered By Partner Banks & NBFCs

Bank/NBFC/Fintech Interest Rate
State Bank of India 8.75% p.a. onwards Apply Now
Axis Bank 17% - 19% p.a. onwards Apply Now
Punjab National Bank 9.25% p.a. onwards Apply Now
Bank of India 8.80% p.a. onwards Apply Now
IndusInd Bank 8.80% p.a. onwards Apply Now
Bank of Baroda 9.40% p.a. onwards Apply Now
Union Bank of India 9.30% – 10.65% p.a. Apply Now
Canara Bank 9.25% p.a. onwards Apply Now
HDFC Bank 8.50% - 15.97% p.a. Apply Now
Federal Bank 8.99% p.a. onwards Apply Now
ICICI Bank 10% p.a. onwards Apply Now
Bajaj Finserv 9.50% – 28% p.a. Apply Now
Manappuram Finance 12% p.a. onwards Apply Now
Bank of Maharashtra 9.30% p.a. onwards Apply Now
Kotak Mahindra Bank 8% - 24% p.a. onwards Apply Now
Indian Bank 0.77% per month Apply Now
IIFL Finance 11.88% - 27% p.a. Apply Now
Rupeek 8.88% p.a. onwards Apply Now
Muthoot Finance 10.90% p.a. onwards Apply Now
Shriram Finance 11.40% p.a. onwards Apply Now
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Features of Rupeek Gold Loan


Rupeek offers gold loans against gold jewellery that is 18 carats and above. These loans can be used for various financial needs, except for speculation.

Loan Amount

Rupeek provides a minimum loan amount of Rs 15,000 and a maximum loan amount of Rs 1.5 crore to its applicants, capped at up to 75% of the gold's market value.


Applicants have the flexibility to repay their loans within a period of 1 year from the date of loan disbursement.

Repayment Options

Monthly Interest Payment

In this repayment scheme, borrowers are required to pay the interest component of their EMIs every month. The principal amount can be repaid at the end of the loan tenure.

Bullet Repayment

In the Bullet Repayment method, both the interest and principal amounts are repaid at the end of the loan tenure.


Under this option, borrowers can make repayments in regular Equated Monthly Installments (EMIs). Additionally, borrowers have the flexibility to make part-prepayments, which will be deducted from the outstanding principal, thereby reducing the interest cost.

Also read: Best Gold Loan EMI Calculator

Eligibility Criteria for Availing Rupeek Gold Loan

To be eligible for Rupeek Gold Loan, applicants must meet the following criteria:

  • They should be Indian citizens.
  • Individuals should be at least 21 years old at the time of loan application and not more than 65 years old at the time of loan maturity.
  • Applicants should own gold items or ornaments of the recommended purity.

Also read: Best Gold Loan Eligibility

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Documents Required for Availing Rupeek Gold Loan

To apply for Rupeek Gold Loan, applicants need to submit the following documents:

  • KYC Documents: Aadhar card, Voter ID, PAN card, passport, driving license, etc.
  • Address Proof: Voter ID, passport, Aadhaar card, utility bills, driving license, etc.

Also Read : Best Gold Loan Documents Required

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FAQs on Rupeek Gold Loan

1. Why should I choose Rupeek Gold Loans?

You can access this loan at competitive interest rates starting from just 8.88% per annum. Additionally, you benefit from doorstep service, convenient online application, minimal requirements, and more.

2. Is it safe to avail of gold loans by Rupeek?

Yes, you can securely pledge your gold items with Rupeek as they are stored in the company's vault. You have the flexibility to withdraw your assets at any time after the repayment is completed.

3. Do I need a CIBIL score when applying for this gold loan?

You can obtain the loan without providing your CIBIL score details because the gold items you pledge serve as collateral. Simply submit the required documents and meet the eligibility criteria to apply for the loan.

4. What is the tenure of a Rupeek Gold Loan?

The tenure for the loan ranges between 3 months and 12 months.

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