Equitas offers loan against gold to help you meet your immediate financial requirements.

With our experience in the MFI industry over the years, Equitas has started offering Loan Against Gold since 2015.


  • instant-icon

    Instant Cash


    NACH repayment options


    Easy Documentation




Gold Loan    
Type of Loan Segment Effective Rate Of Interest (p.a.)
Fixed Agriculture 14.00%
Fixed  Others  11.75% to 24.00%


Sr. No Type Charges
Loan Processing Fee 1%  to 2% of Loan amount
Notice Charges Rs.50 per notice
Penal Charges 36% p.a on Total Overdue Amount
EMI Bounce Charges Rs.500/- (For Each Bounced Instrument)
Stamp Duty Charges 0.1% to 0.2% of Loan Amount (As per prevailing stamp duty of respective State stamp and registration Act)
     6 Custodian Charges 3% p.a (Sanctioned Loan Amount)
     7 ForeClosure Charges

2% of the Outstanding priniciple for less than 90 Days, 1% of the Outstanding principle between 91 Days  to 180 Days, Nil charges above 180 Days

     8 Other Charges (Appraiser Chanrges) NA

*Goods and Services tax (GST) will be charged extra as per the applicable rates, on all the charges and fees


Mean rate and Interest rate range for the quarter April 2024 - June 2024
Segment Mean interest rate Interest rate range  
    Min Rate (in %) p.a. Max Rate (in %) p.a.
Agriculture 14.00% 14.00% 14.00%
Non-Agriculture 16.06% 11.75% 24.00%

 Mean rate = Sum of rate of interest of all loan accounts / Number of all loan accounts.


Annualised Percentage Return (APR) for the quarter April 2024 - June 2024
Segment Min Rate (in %) Max Rate (in %)
Agriculture 14.00% 14.00%
Non-Agriculture 11.75% 24.00%
* Annual Percentage Rate: The Annual Percentage Rate (APR) is a method to compute annualized credit cost which includes interest rate

To make payments for the Loan via NEFT / RTGS, please contact your Home Branch – Branch Manager for further details

Calculate your Gold Loan EMI instantly with Loan Calculator

Loan Application Forms and Loan Agreements can be accessed in Form Centre