Manappuram Gold Loan - Interest Rate, Documentation, Charges in 2025

Need quick funds for an emergency, business, or personal goal? Manappuram Gold Loan offers a secure way to access instant cash by pledging your gold jewellery, with attractive interest rates, minimal paperwork and fast disbursal.

Recently, Manappuram Finance shares rose 5% to ₹246.44 after the RBI raised the LTV ratio to 85% for gold loans up to ₹2.5 lakh, a move that is boosting demand and benefiting small borrowers.

Keep reading to discover how Manappuram Gold Loan works and how you can unlock the true value of your gold today!

Quick Synopsis

• Get instant funds by pledging gold.
• Minimal documents and fast approval.
• Interest rate starts at 21.59% p.a.
• No guarantor or bank account needed (below ₹1 lakh).
• Safe storage and flexible repayment.

Overview of the Manappuram Gold Loan

Gold loan from Manappuram Group offers high per-gram rates, day-wise interest and instant disbursal with no credit check. With over 5,000 branches, 45,000+ employees, and 5.88 million satisfied customers, it has 75 years of trusted service. Backed by global investors like Sequoia Capital, it ensures secure loans with minimal documentation.

Documents Required to Get a Manappuram Gold Loan

To apply for a Manappuram Finance Gold Loan, the documents required are one identity proof and one residential proof. A single document can serve both purposes if it includes the address. 

Here are some documents that are accepted: 

• Aadhaar Card
• Voter ID Card
• Driving Licence
• Passport
• PAN Card
• Ration Card
• Job card issued by NREGA (signed by a state govt. officer).
• A letter issued by the National Population Register (NPR) with the name and address details.

Eligibility for Manappuram Gold Loan

Anyone aged 18 or above who owns gold ornaments between 18 and 24 karats can apply for a gold loan from Manappuram. The loan amount depends on the gold’s purity and net weight, excluding any stones or non-gold elements.

With Gold prices steadily rising in 2025 due to global uncertainty and increasing demand, pledging gold not only ensures quick access to funds but also offers higher loan value, making it a smart and timely borrowing choice.

Additional Charges of Manappuram Gold Loan

The additional charges of the gold loan from Manappuram are as follows:

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Things You Must Evaluate Before Getting a Manappuram Gold Loan

Here are the factors to consider before applying for a Gold Loan in Manappuram Finance:

1. Repayment Flexibility: Choose from bullet repayment, interest-only with principal later, part payments, or EMIs offered by Manappuram.
2. Transparent Charges: Includes ₹460 auction fees, 2% p.a. penal interest, and no prepayment penalty or lock-in.
3. Manappuram Gold Loan Interest Rate: Starts from 21.59% p.a. (April 2025), based on LTV and selected scheme.
4. Loan Tenure and Terms: Short-term tenure up to 3 months with flexible renewal options.
5. Gold Eligibility and Valuation: Accepted gold purities are 18K–24K; stone weight is excluded during valuation.

Manappuram Gold Loan is a trusted, quick, and secure way to access funds by pledging gold as collateral. With minimal paperwork, flexible repayment, and transparent charges, it suits various financial needs. While short-term loans solve immediate needs, managing credit wisely is key to long-term financial stability.

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