Gold Loan Interest Rate and Charges
At Rohini Financial Services, we believe in offering transparent, affordable, and flexible financial solutions. Our Gold Loan interest rates are designed to make borrowing easy and stress-free — ensuring you get the best value for your gold without hidden costs.
💎 Competitive Interest Rates
Enjoy low and flexible interest rates starting from 8.50% per annum, depending on the loan amount, tenure, and type of gold pledged.
| Loan Amount (₹) | Interest Rate (p.a.) | Tenure |
|---|---|---|
| Up to ₹1 Lakh | 8.50% – 9.99% | 3 to 12 Months |
| ₹1 Lakh – ₹5 Lakh | 9.50% – 11.50% | 6 to 18 Months |
| Above ₹5 Lakh | 11.00% – 13.00% | Up to 24 Months |
💡 Interest is calculated on the reducing balance, making your repayment more affordable over time.
📄 Processing Fees and Other Charges
We maintain a clear and transparent fee structure so you know exactly what you’re paying for.
| Type of Charge | Details |
|---|---|
| Processing Fee | 0.5% – 1% of the Loan Amount |
| Gold Valuation Fee | Free (No hidden cost) |
| Foreclosure Charges | 1% of the outstanding loan amount |
| Late Payment Fee | 2% per month on overdue amount |
| Renewal Fee | Applicable after the end of loan tenure (if extended) |
✅ No prepayment penalty if you wish to repay early.
🔐 Why Our Gold Loan Is the Smart Choice
Instant loan approval and disbursal
Transparent valuation process
Safe and insured gold storage
Flexible repayment options
No hidden charges or fine print
⚡ Quick Example
If you pledge gold worth ₹1,00,000 and take a loan of ₹80,000 for 12 months at 9% p.a., your monthly EMI will be approximately ₹7,000, depending on the repayment plan you choose.