Compare gold loans.
Pay less interest.
One honest view of rates, charges and fine print across 20+ lenders. Free, instant, no signup — and no agent ringing your phone.
20+
Lenders compared
₹840cr
Loans evaluated
42,000+
Borrowers helped
2.1%
Avg. rate saved
We compare
How SonaFin works
Three steps. Zero chasing. Full transparency.
Gold loan rates vary wildly across lenders — and most comparison tools are paid to push certain banks. We show you everything, ranked honestly.
01
Tell us your needs
Loan amount, gold weight, purity, pincode. Takes two minutes, no signup.
02
See every offer, side by side
Rates, LTV, processing fees, foreclosure charges — all in one table. No selective hiding.
03
Apply with the lender you pick
We hand you off directly. No middleman, no markup, no lead resale.
Live · updated daily 9:30 IST
Today's gold rate. And the last 0 days of truth.
The LTV (loan-to-value) ratio determines how much you can borrow against your gold. A higher rate usually means a lower LTV. Knowing today's price helps you negotiate.
22K Gold · per gram
₹0
Past month · Chennai benchmark
22K
₹0
18K
₹0
Good to know
RBI caps LTV at 75% for gold loans. Lenders may offer less. A higher LTV usually means a higher rate.
Already have a gold loan?
Switch. Save lakhs.
If you're paying more than 11% on your gold loan, you're overpaying. We'll find you a better rate and handle the switch — no branch visits, no paperwork chaos.
- Same gold. Same LTV. Lower rate.
- Savings breakdown before you commit.
- We handle the transfer end-to-end.
"Switched my ₹6L loan from 18% to 9.4%. Saved ₹24,500 in one year."
Rajesh K., Coimbatore
Savings preview
You could save
₹42,500
Switching to an indicative best rate of 9.5% p.a.
Now paying
₹75,000
With SonaFin
₹39,583
Indicative only. Actual offers depend on lender assessment.
From the blog
Plain-English guides.
No jargon, no agenda.
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Visit the blog →Does SonaFin charge me anything?
No. Using SonaFin is completely free. We make money from lenders when you choose to apply — not from your data, and never from commissions that bias our results.
How do you stay unbiased?
Lenders pay the same referral fee across the board, so we have zero incentive to rank one above another. We publish our methodology and our data is refreshed daily.
Which lenders do you compare?
20+ RBI-regulated lenders — including Muthoot, Manappuram, IIFL, HDFC Bank, ICICI, Kotak, Federal Bank, and major nationalised banks. We only list regulated lenders.
Will applying affect my credit score?
Comparing rates on SonaFin is a soft check and has no impact on your score. A hard check happens only when you formally apply with a lender of your choice.
What is SonaSwitch, exactly?
A balance-transfer tool for gold loans. If you're overpaying with your current lender, we calculate your savings at a better rate and co-ordinate the transfer end-to-end.
Is my data safe?
Yes. We never sell your data. We store the minimum required to calculate offers, and share only what's needed with the lender you explicitly choose.
Save an average of 2.1% p.a.
Stop overpaying on your gold loan.
Two minutes. No signup. No sales calls. Just the most honest gold-loan comparison in India.