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Transfer Your Gold Loan & Save More with SonaSwitch

Switch your gold loan to a better lender and enjoy lower interest rates, higher loan amounts, and flexible repayment options.

Compare Lenders

Check Savings

No signup required

In under 60 seconds

2-minute comparison

From top lenders

Transparent

No hidden charges

Step

How SonaSwitch Works

Free and instant

Provide your current lender, loan amount, and interest rate.

Compare Better Offers

SonaFin finds lenders offering lower rates and better terms.

Transfer & Save

Complete the transfer process and start paying less interest.

Compare & Save

Comparison Table

Lender

Max LTV

Tenure

Processing Fee

Disbursal Time

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

Lender

Max LTV

Tenure

Processing Fee

Disbursal Time

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

Lender

Max LTV

Tenure

Processing Fee

Disbursal Time

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

75%

12 Years

0.50%

2 Hrs

Apply

Compare Offers

Why trust Sonafin

Compare with Confidence

Build for clarity and transparency - so you can compare and choose with complete confidence

Compare Offers

Transparent Fees

No hidden charges or surprise costs

Fast Approval Insights

See estimated timelines before applying.

RBI-Aligned Comparisons

Easy side-by-side lender comparison.

Verified Lenders

Trusted banks and NBFC partners.

Safe Gold Handling

Secure storage and verified processes.

Dedicated Support

Guidance whenever you need help.

Testimonial

See Why Customers Choose SonaFin

"The comparison was clear and transparent. No hidden charges, just the information I needed to make the right choice."

Priya M., Chennai

"I switched my gold loan through Sonafin and reduced my monthly payments. The process was smooth from start to finish."

Amit K., Mumbai

"I liked that I could compare trusted lenders in one place instead of visiting each bank individually. It saved me a lot of time."

Neha R., Hyderabad

"Simple, fast, and easy to use. I quickly found a better gold loan offer with a lower interest rate."

Arjun P., Pune

"Sonafin helped me compare multiple lenders in minutes. I found a much better interest rate than my current loan."

Rahul S., Bengaluru

Calculator Preview

Plan your gold loan with instant calculations for EMI, eligibility, and required gold value.

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The honest FAQ

Everything you need to know about comparing gold loans.

How does a gold loan calculator work?

A gold loan calculator estimates how much loan you can get against your gold based on its weight, purity (22K or 24K), and the current gold price per gram. Enter your details and Sonafin's calculator instantly shows your eligible loan amount, EMI, and total interest — so you know your numbers before you apply.

How is gold loan EMI calculated?

Your gold loan EMI depends on three things: the loan amount, the interest rate, and the tenure. Our gold loan EMI calculator does the math instantly — enter these three values and you'll see your exact monthly payment, plus the total interest you'll pay over the full tenure.

How much gold loan can I get per gram?

The loan amount per gram depends on your gold's purity and the day's gold rate, capped by the RBI's loan-to-value (LTV) limit of up to 75%. For example, if 22K gold is priced at ₹6,000 per gram, you can borrow up to roughly ₹4,500 per gram. Use the per gram calculator above to get today's exact figure.

How do I calculate the interest on a gold loan?

Gold loan interest is calculated on your loan amount at the lender's annual interest rate (p.a.). Our gold loan interest rate calculator lets you compare how different rates change your total cost — even a 2–3% difference in interest rate can mean thousands in savings over your tenure.

Is the Sonafin gold loan calculator free and accurate?

Yes. The Sonafin gold loan calculator is completely free, with no signup required. It uses live gold rates and real lender parameters, so your estimate is accurate — though the final loan amount and interest rate are confirmed by the lender after they verify your gold.