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

Rupeek is one of India’s fastest-growing digital lending platforms striving to provide easy credit accessibility within the country. A startup lending funds by pledging gold as collateral, Rupeek was able to monetise India’s $1.5 trillion private gold stash as of January 2022.

In fact, Rupeek Gold Loans are one of the top offerings in the country, enabling you to fund your obligations with ease. You can now easily avail Rupeek gold loans of up to Rs. 1.5 Crores on Bajaj Markets.

Read on to understand more about the interest rates of Rupeek Gold Loans and how you can avail one.

Rupeek Gold Loan Interest Rate & Charges

You can avail a Rupeek gold loan at low and affordable interest rates starting from 0.59% per month or 7.08% annually. While there are no foreclosure charges, you may have to pay processing fees up to 1% of the loan amount.

Types of Charges

Applicable Charges

Interest Rates

8.88% p.a. onwards

Associated Charges

Processing Fee: 0%-1%* of the loan amount

Foreclosure Fee – Nil*

Repayment tenure

3 Months – 12 Months

Loan Amount

₹25,000 to Rs. 1.5 Crores*

Disclaimers: The details mentioned above are subject to the changes as per the financial institutions’ policies.

How to Apply for a Rupeek Gold Loan on Bajaj Markets

Applying for a Rupeek gold loan involves an easy and hassle-free process. All you have to do is follow the steps mentioned below to avail the credit facility instantly.

  • Click on the ‘Apply Now’ tab on this page

  • Mention the loan amount along with your personal details like name, mobile number, date of birth, and pincode

  • After you fill in the details, a loan representative will contact you to process your application further

Features and Benefits of Rupeek Gold Loans

Quick Approval and Speedy Loan Disbursals

Availing a Rupeek gold loan is quick and instant, thanks to speedy approval process on Bajaj Markets and simple documentation. All it takes is just a few hours to get funds credited to your account.

Hence, taking a Rupeek Gold Loan is ideal when you require funding to manage immediate financial requirements such as paying medical bills or meeting unexpected financial shortfalls.

Furthermore, you can quickly get a gold loan from Rupeek online from the convenience of your home. Gone are the days when you needed to wait in long queues to obtain information about gold loans.

Now, all you have to do is provide your details and receive a call back from the loan representative to resolve your queries regarding the loan process.

Convenience of Doorstep Facility

Whether you need a gold loan to manage your big-ticket expenses or immediate cash-crunch situations, Rupeek offers a doorstep option. Once you apply for a gold loan after checking the eligibility, you can expect a call back from the concerned official.

This representative comes to your residence to collect the gold items you wish to pledge and the necessary KYC documents. That’s all. You then get the principal amount in your bank account, after which the official safely transports your pledged gold items for storage.

This eliminates the need to personally visit the lender’s office to avail a gold loan, thereby saving you time and effort.

Flexible Repayment Options

You can pay your entire outstanding in a single go at the end of the loan tenure, which includes the principal and interest. You also have another option to pay only the interest due every month.

Again, you can clear the outstanding principal by paying a lump sum at the end of the tenure, which ranges from 3 months to 12 months. You may choose either of these options that best fits your monthly budget.

Zero Pre-closure Charges

When availing a gold loan from Rupeek, know that you need not pay any penalties if you plan to clear your loan before the repayment tenure. This way, you can easily pay your outstanding as a lump sum with sufficient funds.

Attractive Interest Rates

You can avail gold loan at an affordable monthly interest starting from 0.59% monthly or 7.08% yearly. This helps you repay the loan quickly without overstraining your monthly finances.

Disclaimer: Terms and conditions apply to the above-mentioned benefits, and these may vary based on the lender.

Rupeek Gold Loan Eligibility Criteria

Before applying for a gold loan, meet the following eligibility parameters for quick loan approval.

  • You need to be above 18 years of age

  • You must own gold ornaments or items having the desired purity levels

The maximum loan amount you can get is arrived at by multiplying the purity, quality, and weight of the pledged asset. Meet these eligibility parameters and avail a gold loan to manage any unforeseen financial emergencies.

Rupeek Gold Loan Documents

To apply for a Rupeek gold loan, you must submit documents such as:

1. ID Proof (submit any one of these documents)

  1. Aadhaar card

  2. PAN card

  3. Voter ID

  4. Passport

  5. Driving licence

2. Proof of Address (provide any one of these documents)

  1. Aadhaar card

  2. Voter ID

  3. Passport

  4. Driving licence

3. Utility Bill/ Lease Agreement

Factors That Determine Your Gold Loan Interest Rate

Checking the interest applicable on your gold loan is crucial before you avail one. There are various factors governing gold loan interest rates. A few of them have been discussed below:

1. Gold’s Market Price

This is one of the critical factors that can affect the interest rates of your gold loan.

In case the market price of gold is high, you get a higher value for your pledged assets. This is crucial as the value of your gold ornaments decides the amount you can borrow.

2. Your Monthly Income

Compared to the other lines of credit, availing a gold loan is easy due to its minimal eligibility criteria and documentation. However, having a stable income source can assure the lender of your repayment capability.

3. Demand and Supply Chain

This is another governing factor that can impact your gold loan interest rates. Like any other market commodity, the value of gold is dependent on supply and demand factors. Simply put, if the demand increases with no rise in supply, you can witness fluctuating gold prices.

Read More

Compare Rupeek Gold Loans with Other Financial Institutions

Check out the gold loan interest rates of the lending partners on Bajaj Markets.

Name of the Partner

Interest Rate

Repayment Tenure


Bajaj Finserv

9.5% - 28% p.a.

Up to 12 Months

Apply Now


9.24% p.a. onwards

61 Days - 12 Months

Apply Now

Muthoot Finance

9.96% p.a onwards

7 Days - 36 Months

Apply Now

Muthoot FinCorp ONE

9.96% p.a onwards

3 Months – 12 Months

Apply Now


8.88% p.a. onwards

3 Months – 12 Months

Apply Now

IIFL Finance

11.88% p.a. onwards

1 Month – 60 Months

Apply Now

Disclaimer: Interest rates and tenure can vary at the lender’s discretion.

Rupeek Customer Care

You can contact the Rupeek customer care team at the toll-free number 1800 419 8000 regarding any gold loan clarifications. Alternatively, you can email them at care@rupeek.com.

FAQs on Rupeek Gold Loans

Yes, it is 100% safe to pledge your valuable gold items with Rupeek. The pledged gold is safely stored in the company’s vault, which you can withdraw anytime after you repay your loan amount.

With a Rupeek Gold Loan, you can avail a loan from the comfort of your home at affordable interest rates. While the loan approval and disbursement processes are quick and speedy, you can repay your loan online in a hassle-free manner.

No, as you are pledging your gold items as collateral, you can avail a gold loan without providing your CIBIL score details. All you need to submit is KYC documents when applying for a loan.

Depending on your eligibility, you can get gold loan amounts starting from ₹25,000 with a loan tenure ranging from 3 months to 12 months

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