Kotak Gold Loan – Bullet Scheme
9% p.a. Flexible interest-payment frequency; quick disbursement
Gold loan with a 12-month tenure. Interest can be paid quarterly, half-yearly or yearly. The scheme can be renewed subject to Kotak’s conditions.
Kotak Mahindra Bank Gold Loan
Bank
Kotak Mahindra Bank offers gold loans against eligible gold jewellery for customers requiring funds for personal and other financial needs. The bank provides multiple repayment schemes including Bullet, Vanilla and EMI options. Gold loans are available from ₹50,000 up to ₹1.50 crore, with applicable LTV depending on the repayment scheme. Interest rates currently range from 9% to 20% p.a.
Interest Rate
9% p.a.
Per Gram Value
₹13,869/g
Processing Fee
Nil
Max Amount
Up to ₹1.50 Crore
Tenure
6 Months to 48 Months
Get instant offer
FreeGold purity
₹50K – ₹1 Cr
₹
₹50K₹1 Cr
Gold required
~46.95g22K (916)
at today's 75% LTV
No impact on credit score · Direct to Kotak Mahindra Bank
Call us nowKotak Mahindra Bank's schemes
Kotak Gold Loan – Vanilla Scheme
9% p.a. Monthly interest with no renewal required during the tenure
Gold loan with a 36-month tenure, with monthly interest payments and no renewal required during the tenure.
Kotak Gold Loan – EMI Scheme
9% p.a. Structured EMI repayment; tenure up to 48 months
Gold loan repaid through equated monthly instalments covering principal and interest. Available for 12, 24, 36 or 48 months.
Watch: Kotak Mahindra Bank Gold Loan
Why choose Kotak Mahindra Bank?
- Gold loans against eligible gold jewellery
- Loan amount from ₹50,000
- Maximum loan amount up to ₹1.50 Crore
- Interest rates from 9% to 20% p.a.
- LTV ranging from 61% to 75%
- Tenures from 6 months to 4 years
- Bullet, Vanilla and EMI repayment schemes
- Monthly, quarterly, half-yearly and yearly interest-payment options depending on scheme
- No guarantor required
- Gold valuation performed by an empanelled assayer
- Fast processing and disbursal
- Gold accepted from 18 to 22 carat, subject to eligibility
Documents required
- Valid identity proof
- Address proof
- 2 recent passport-size colour photographs
- PAN, where applicable
- ITR for applicable higher-value loans
Your details are shared only with Kotak Mahindra Bank for this application. Applying through GoldLoanBazaar is free and does not affect your credit score.
