Gold Loan EMI calculator


Over time, gold has proven to be an excellent investment strategy. You can get an Axis Bank gold loan to meet an urgent cash need by pledging your gold jewellery or gold coins as collateral. Axis Bank provides a loan against gold with lower interest rates. Axis Bank, as one of the largest gold loan providers, recognises the needs of its customers and disburses loan funds within an hour. You do not need to be concerned about the protection of the gold pledged because it is securely stored in a bank locker. Before the loan sum is sanctioned, you are informed of the gold prices and all other charges in a transparent manner. As a result, you do not have to be concerned about the gold loan's undisclosed charges and fees.


  • The Axis Bank Gold Loan comes with a large loan amount, allowing you to meet any requirements. This loan has a maximum amount of $20,000 eligible to get. The Gold Rate Today has reached about Rs. 4,472 per gram.

  • The aim of a gold loan is to make it simple for you to get a loan using the gold you already own. This loan can be borrowed for gold jewellery that you already own.

  • With Axis Bank, you can get your loan disbursed on the same day that you apply. Though loan disbursement is subject to bank approval, the loan will be disbursed the same day if approved.

  • Pre-closing your gold loan with Axis Bank is simple and free of pre-payment penalties.

  • In terms of loan repayment, Axis Bank offers a variety of options to loan applicants.

  • You can relax knowing that your gold ornaments are secure in the vaults of Axis Bank.

  • On the disbursement of your gold loan, you will receive up to 150 edge Loyalty points.

Fees and charges:

  • Processing Fee of 1% plus applicable taxes is levied.

  • Valuation Fee of Rs. 500 added to Applicable Taxes is charged.

Foreclosure Charges:

  • 2% of the amount, if the loan is closed prior to 3 months from the sanction date.

  • 1% of the amount, if the loan is closed between 3 months and 6 months from the sanction date.

  • 0.50% of the amount, if the loan is closed between 6 months and 11 months from the sanction date.

  • No Foreclosure charges if the loan is closed later than 11 months from the sanction date.

  • Penalty Interest is 2% per month on the overdue amount.

Type of Gold:

Any type of gold, including gold jewellery and ornaments, may be pledged. The purity of the gold is first tested by the lender, and the loan sum is then authorised. The loan sum is determined based on the purity of the 5 grams of gold if the borrower pledges 15 grams of gold, of which only 5 grams are gold and the rest is made up of other metals.


Axis Bank Gold Loan is available for up to 36 months. The bank will only allow gold that is 18 karat or higher. A penalty interest will be levied if the loan balance is not repaid on or before the due date. Axis Bank offers a gold loan of up to Rs. 20 lakh. Axis Bank provides a gold loan for agriculture at a cost that is 1% to 2% lower than standard gold loan rates. Axis bank gold loan can be taken out against gold coins. According to RBI regulation, the weight of gold coins cannot exceed 50 gram per customer. You don't have to worry about your gold being safe because the bank keeps it in a well-kept locker.