Rupeek Gold Loan Interest Rate

Rupeek offers transparent and affordable interest rates on its gold loans. As of 2025, the interest rate on Rupeek gold loans starts from 9.48% p.a., depending on multiple factors like borrower profile, gold collateral value, and loan tenure.

Rupeek offers gold loan at competitive interest rates with minimal processing fees and flexible tenure options. The platform ensures digital convenience and transparent pricing, making it easier for borrowers to plan their repayments effectively.

Several key factors influence the Rupeek gold loan interest rate offered to a borrower. Understanding these elements can help you determine the desired rate and take steps to qualify for better terms-

• Gold Purity: The purer your gold (like 22K or 24K), the higher its value in the market. So, the cleaner and higher quality your gold, the lower the interest you may need to pay.

• Loan Amount: Borrowing a higher amount often comes with perks. If you're taking a large loan, Rupeek may offer you a discounted interest rate as part of a volume benefit. 

• Loan Tenure: If you opt for a quicker repayment plan, you may be offered a reduced interest rate compared to a long-term loan.

• Loan-to-Value (LTV) Ratio: The LTV ratio is the percentage of your gold’s value that you borrow. If you choose to borrow a smaller portion of your gold’s worth, you’re seen as a lower-risk borrower. In return, the lender may offer you a lower interest rate.

• Borrower Profile: A strong credit score, steady income, and a good track record of repaying loans show that you're a trustworthy borrower. This determines how much interest you should be charged.

• Market Gold Rate: Since your loan is backed by gold, any ups or downs in the gold market can impact how much you’re eligible to borrow. When gold prices rise, you may get a higher loan offer, and possibly a more attractive rate.

Rupeek offers flexible interest rate structures designed to suit varying borrower needs:

• Fixed Interest Rate: The rate remains unchanged during the entire loan tenure.

• Floating Interest Rate: The rate may fluctuate based on market or RBI-linked benchmarks.

Choosing between a fixed and floating interest rate on your Rupeek Gold Loan depends on your risk appetite and market outlook.

Rupeek already offers competitive gold loan rates, but with a bit of planning and awareness, you could secure an even better deal. To secure the most favourable Rupeek gold loan interest rate, consider the following:

1. Maintain a High Credit Score

A score of 750 or above signals that you're financially responsible, which makes lenders more confident about offering you a lower interest rate. 

2. Choose a Shorter Loan Tenure

Opting for a shorter loan term often leads to lower interest rates. Rupeek views shorter durations as less risky, so you're more likely to enjoy a better deal. 

3. Offer High-Purity Gold as Collateral

The purer the gold you pledge (preferably 22K or 24K), the more it's worth—and the more confidence it gives the lender. 

4. Keep the Loan-to-Value (LTV) Ratio Low

If you borrow less money compared to the value of your gold (say 60% instead of 75%), you're considered a safer borrower. 

5. Have a Stable Income Source

Whether you’re salaried or self-employed, a consistent income stream builds trust. If it is seen that you can comfortably manage repayments, it increases your chances of getting a favourable interest rate.

6. Apply During Promotional Offers

Rupeek often rolls out promotional rates during festive seasons or special campaigns. These limited-time deals can significantly lower your borrowing costs, especially if you’re a new customer or applying through the digital platform.

7. Check for Pre-Approved or Existing Customer Benefits

Already taken a Rupeek loan before? You might qualify for pre-approved loan offers or loyalty benefits with lower rates. Always check the Borrower Dashboard or contact customer support to see what offers are available to you.

Besides interest rates, be aware of other associated costs while opting for a Rupeek gold loan:

• Documentation Charges: Depends on the scheme

• Insurance Charges: NILF

• Renewal Charges: 100/-

• Customer Support Fees:  NIL

Disclaimer: The above details are subject to change at the lender’s discretion. For up-to-date information, please refer to the Rupeek gold loan page on Bajaj Markets or consult your nearest branch.