Who we are
GoldLoanBazaar is an online marketplace that helps people across India compare gold loan offers from banks and NBFCs. See rates, fees and disbursal times side by side, check today's gold rate, and apply to the lender you choose — without visiting branch after branch to compare them.
GoldLoanBazaar is the consumer-facing marketplace of Capiyer Infotech Private Limited, a fintech company building the technology infrastructure behind India's gold lending industry. More about Capiyer
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What we do
See interest rates, loan per gram, processing fees and disbursal times from partner banks and NBFCs side by side, so you can weigh an offer on more than its headline rate.
Daily gold rates published by the India Bullion and Jewellers Association (IBJA), with a 30-day trend and a calculator to estimate how much you could borrow.
Tell us what you need — gold weight, purity and loan amount — and apply to the lender you pick. Follow your application from submission to disbursal in your account.
Our role
GoldLoanBazaar does not lend from its own book. When you apply, your details are passed to the partner bank or NBFC you chose, and only that lender values your gold, sanctions the loan and disburses it. The final amount, interest rate and terms are the lender's, so read them carefully before you pledge your gold.
Capiyer, the company behind GoldLoanBazaar, is a technology and distribution company. Insurance is underwritten by IRDAI-registered insurers and solicited only through a registered intermediary, and where a line of business needs a licence, Capiyer builds to that standard first and obtains the licence before it operates it.
Which lender to apply to, once you have compared their rates and terms.
Gold valuation, loan amount, interest rate and approval all rest with the lender.
We show the rates and terms lenders give us, alongside the daily IBJA gold rate.
Learn more in our Privacy Policy, Terms of Use and Grievance Redressal pages.
The company behind it
Capiyer Infotech Private Limited is a fintech company built to modernise the plumbing behind India's gold loan industry — one of the country's largest lending categories, and one that still runs largely on manual processes. Capiyer is building the infrastructure layer underneath it.
Rather than lending on its own book, Capiyer builds four interlocking systems — a lender marketplace, gold purity verification technology, affinity insurance distribution and a live gold-rate publishing network — that a bank, NBFC or gold loan company can plug directly into its branch and digital operations.
System 01
Gold Rate Terminal
A customer-facing digital terminal designed for bank branches and gold loan outlets, at the exact point of lending. It shows live gold rates for lending purposes, referenced to IBJA, so a borrower can see at the counter how their loan value is being calculated. The network is designed to be run and monitored from a central operating centre, so that every branch shows the same, current, auditable rate.
Who we serve
Banks · NBFCs · Gold loan companies
System 02
Gold Loan Marketplace
GoldLoanBazaar is built on this
Banks and NBFCs are enrolled onto a single marketplace. A borrower's requirement is compared across the enrolled lenders, and the marketplace is designed to route the lead to the lender best matched to that borrower. Matching logic is documented and unbiased, and offers are shown on a digital view that includes non-matching lenders too, in line with RBI's Digital Lending Directions for a Lending Service Provider.
Who we serve
Banks and NBFCs seeking qualified, gold-backed borrower leads
System 03
Purity Assaying Devices
Built around handheld, non-radiation devices that read gold purity several millimetres beneath the surface, so schemes such as gold-plating over a base-metal core can be caught before a loan is sanctioned. Testing is non-destructive, with zero loss of the customer's gold, and every reading produces a time-stamped digital certificate the lender can attach to the loan file.
Who we serve
Banks, NBFCs, gold loan companies and pawnbrokers
System 04
Affinity & Value-Added Insurance
Affinity and value-added insurance, underwritten by IRDAI-registered insurers and offered only through a registered intermediary, designed to be attached to a gold loan at the moment it is disbursed. It covers the pledged gold against theft, fire, natural calamity and accidental damage in storage or transit, and gives the lender a better-protected loan book.
Who we serve
Banks, NBFCs and their borrowers, via IRDAI-registered insurer partners
Together the four systems form one infrastructure layer: a lender can adopt a single system to solve an immediate problem, or the full stack to run its whole gold-lending counter on Capiyer.
For partners & regulators
Capiyer's systems sit inside a live and tightening regulatory framework for gold lending in India. We build to the standard first, and switch a capability on only once it meets that standard.
What each regulator or body governs for Capiyer
For banks & NBFCs
Banks and NBFCs can join GoldLoanBazaar to publish their gold loan rate card, receive borrower applications and manage them from a dedicated partner panel.