✓ No Limit on Loan Amounts ✓ Interest Rate Starting @0.74% p.m. ✓ Minimal Documentation Apply Now

Bank of Baroda offers gold loans of up to ₹50 Lakhs for tenures ranging up to 36 months at affordable interest rates starting from just 9.40% p.a. You can use the amount borrowed with the help of this loan to meet multiple expenses like hospital bills, car repairs, home renovation, and more.

gold loan calculator

Today get gold loan at


Gold to be pledged (in grams)

GM 1 tola=10 gm
gold calculator icon

Required Loan Amount


Select Interest Repayment Frequency

Rate of Interest ( Per Annum )
7 25
Gold EMI Calculator

Gold weight required

0 grams

Repayment Frequency


Interest Repayment

tenure Gold Loan have a fixed tenure of 12 months

Gold Loan have a fixed tenure of 12 months

Features and Benefits

Maximum Loan Amount

You can get a loan of up to ₹50 Lakhs to meet all your expenses

No Additional Charges

Pay zero processing fees on loans under ₹3 Lakhs. Additionally, you will not be required to pay any pre-closure or prepayment penalties

Flexible Tenure

You can choose a tenure between 12 months and 36 months to repay the loan as per your convenience

Easy Repayments

You can choose between monthly, quarterly or half-yearly instalments as per your convenience. Alternatively, you may also make bullet repayments.

Safe and Secure Option

The Bank of Baroda ensures safe and secure storage of your gold ornaments

Minimal Paperwork

Get the required gold loan without having to deal with excessive paperwork

Eligibility Criteria and Documents Required

Here are the eligibility criteria for Bank of Baroda’s Retail Gold Loan:

  • Applicant must be the true owner of gold jewellery, ornaments and/or specially minted gold coins

  • Applicant must be a citizen of India

  • Applicant must be KYC-compliant

Alongside this, you will be required to submit the following documents:

  • Identity Proof - Any one of the following
  1. Passport

  2. PAN card

  3. Driving licence

  4. Voter ID

  5. Aadhaar card, etc.

  • Proof of Residence - Any one of the following
  1. Passport

  2. Ration card

  3. Recent utility bills

  4. Aadhaar card

How to Apply

You can apply for a Bank of Baroda Retail Gold Loan by visiting the nearest branch or through the bank’s official website. Applying for the loan against gold online is quite simple and can be done from the comfort of your home. For this, follow the simple steps listed below:

  • Visit the Bank of Baroda’s official website

  • Sign up/log in to get started

  • Navigate to the application section

  • Fill in the online form with all the required personal and professional details

  • Cross-check the data and submit the application

  • Following this, a representative from the Bank of Baroda will reach out to you for further proceedings.

Apply for a Gold Loan


The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. 

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.


Read More


What is the maximum repayment period for these gold loans?

The maximum repayment period for gold loans offered by the Bank of Baroda can go up to 36 months.

What is the nature of credit offered under gold loans provided by the Bank of Baroda?

Bank of Baroda offers EMI-based term loans to applicants, who opt for a Retail Gold Loan. 

demand gold loans. Meanwhile, it provides demand loans to Agri Gold Loan applicants. These are short-term loans that do not have a fixed tenure and can be extended as required.

What purposes can the gold loans be used for?

You may use the Bank of Baroda Retail Gold Loan for general needs like education, home improvements, etc. On the other hand, the Agri Gold Loan can be used only to meet agricultural requirements or for other allied activities.

How to renew a gold loan taken from the Bank of Baroda online?

At present, there are no facilities that enable you to renew your gold loan online. However, at the end of the loan tenure, you can visit the nearest Bank of Baroda branch to initiate the renewal process. 

Loan Offer
Download App
Credit Score