Who can apply
- Adults living in India who own the gold they pledge
- Gold jewellery and ornaments, up to 1 kg in all
- Gold coins, up to 50 grams in all
- Gold bars and raw gold are not accepted
Gold loan in Mumbai
Gold loan in Mumbai, against the gold you already own.
Get money against your gold jewellery from RBI-regulated banks and NBFCs that lend in Mumbai. Your gold is checked in front of you, kept safe by the lender and given back when you repay. Firstfund is not a lender.
- Gold jewellery and coins
- Gold back within 7 working days
- No fee to apply
At a glance
Gold loan details in Mumbai.
The amount, rate and repayment plan you get depend on the lender and on the weight and purity of your gold.
- Loan amount
- Up to 85% of your gold’s value for loans up to ₹2.5 lakh; less for bigger loans
- Repayment
- EMIs, or interest during the loan and the rest at the end
- Interest (APR)
- Set by each lender, shown in its Key Fact Statement
- Your gold
- Kept safe by the lender, given back within 7 working days of full repayment
Gold loan calculator
How much can your gold get you?
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
- 85%loans up to ₹2.5 lakh
- 80%₹2.5 lakh to ₹5 lakh
- 75%above ₹5 lakh
- Value of your gold
- ₹4,97,970
- Pure gold in it
- 36.7 g
- Interest a month, on the full amount
- ₹3,984
An estimate, not an offer. The loan comes from an RBI-regulated bank or NBFC; Firstfund is not a lender.
Gold loans in Mumbai
Your gold, still yours.
Many Mumbai families keep gold bought over the years at Zaveri Bazaar in Kalbadevi or at their local jeweller. A gold loan lets you use that gold for money you need now, without selling it.
Whether you live in South Mumbai, the western or central suburbs, Thane or Navi Mumbai, tell us your PIN code when you apply. We show the lenders that serve it, and the lender checks your gold in front of you.
How it works
From your gold to your bank account.
Firstfund never holds your gold or your money. The lender you choose does.
Apply now
Share your mobile number, PIN code and the amount you need. It costs nothing.
Choose a lender
See which RBI-regulated banks and NBFCs give gold loans where you live in Mumbai.
Get your gold checked
The lender checks the purity and weight of your gold in front of you and explains any deduction.
Get the money
You sign the loan agreement, which describes your gold and its value. The money goes to your bank account.
Repay and take your gold back
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
Who can apply and what you need.
Each lender sets its own criteria. Keep these handy; you won’t need to upload them on Firstfund.
Documents lenders usually ask for
- PAN card
- Aadhaar or another proof of address
- A recent photograph
- Your bank account details for the money
Questions
Gold loan in Mumbai: FAQs.
How much can I borrow against my gold in Mumbai?
The same RBI limits apply in every city: 85% of your gold’s 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.
Can a lender check my gold at home in Mumbai?
Some lenders offer it, others ask you to visit a branch. Either way, RBI rules say you must be present when your gold is checked at the start of the loan.
When do I get my gold back?
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.
Does Firstfund charge a fee?
No. Applying through Firstfund is free. The lender’s own charges are shown in its Key Fact Statement before you accept.
Your next step
Need money against your gold in Mumbai?
Share your details once. Our team will connect with you about the next steps.