Firstfund is not a lender. Loans come from RBI-regulated banks and NBFCs.
Gold loan
Get money against your gold jewellery from RBI-regulated banks and NBFCs. Your gold is checked in front of you, kept safe by the lender and given back when you repay. Firstfund is not a lender.
At a glance
The amount, rate and repayment plan you get depend on the lender and on the weight and purity of your gold.
Gold loan calculator
Enter the weight and purity of your gold. We use RBI’s limits to show the most a lender can give. The lender checks your gold in front of you and makes the final offer.
1 g1 kg
Leave out stones and other parts that are not gold. Up to 1 kg of jewellery in all.
Rate as on 13 Nov 2026. Change it if your jeweller quotes another.
6%30%
An example only. Each lender sets its own rate in its Key Fact Statement.
Most a lender can give
₹3,98,376
An estimate, not an offer. The loan comes from an RBI-regulated bank or NBFC; Firstfund is not a lender.
How it works
Firstfund never holds your gold or your money. The lender you choose does.
Share your mobile number, PIN code and the amount you need. It takes a few minutes and costs nothing.
See which RBI-regulated banks and NBFCs give gold loans where you live, and pick the one that suits you.
The lender checks the purity and weight of your gold in front of you and explains any deduction, for stones for example.
You sign the loan agreement, which describes your gold and its value. The money goes to your bank account.
Once you repay in full, the lender gives your gold back on the same day or within 7 working days.
Each lender sets its own process. Some lenders also come to your home to check the gold.
Eligibility
Each lender sets its own criteria. Keep these handy; you won’t need to upload them on Firstfund.
Full transparency
Check these before you accept any offer, from any lender.
Questions
RBI sets the most a lender can give against your gold: 85% of its value for loans up to ₹2.5 lakh, 80% for loans over ₹2.5 lakh up to ₹5 lakh, and 75% above ₹5 lakh. Each lender decides the final amount from the weight and purity of your gold.
The lender you choose keeps it in safe custody until you repay. Firstfund never holds your gold or your money. Your loan agreement describes your gold and its value.
It depends on the lender. You can pay EMIs, or pay interest during the loan and the amount you borrowed at the end. Where the whole amount is paid at once at the end, RBI allows a tenure of up to 12 months, which the lender may renew.
On the same day you repay in full, or within 7 working days at most. If the lender is late, RBI rules make it pay you ₹5,000 for every day after those 7 working days.
Talk to your lender first. A lender can auction gold only after giving you notice and a public notice, at a reserve price of at least 90% of the gold’s current value. Any money left after the loan is settled must be given back to you.
Yes. RBI rules say you must be present when the lender checks your gold at the start of the loan, and any deduction, for stones for example, must be explained and written down.
No. Applying through Firstfund is free. The lender’s own charges are shown in its Key Fact Statement before you accept.
Your next step
Share your details once. Our team will connect with you about the next steps.