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gold loan vs personal loan

Gold Loan vs Personal Loan: Which is Better?

4 June 2026
Gold Loan vs Personal Loan: Which is Better?

Quick comparison

Both gold and personal loans serve different needs. Here's a head-to-head comparison to help you choose.

Gold loans typically offer lower interest rates because they are secured by your gold ornaments, while personal loans are unsecured and may carry higher rates but require no collateral.

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Loan tool
EMI Calculator
Live
Loan Amount
₹5,00,000
₹50K₹1Cr
Interest Rate
12.00%
6%36%
Tenure
36 months
3 mo30 yr
Monthly EMI
₹16,607
per month for 36 months
Principal₹5,00,000
Total Interest₹97,858
Total Payable₹5,97,858
Principal 84% Interest 16%
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