गोल्ड लोन vs व्यक्तिगत ऋण - Which Is Better?
गोल्ड लोन at 10% on Rs 2 लाख for 1 year: Rs 10,000 कुल ब्याज. व्यक्तिगत ऋण at 14%: Rs 14,000. The savings are Rs 4,000 - meaningful on small amounts. On Rs 5 लाख for 2 वर्ष, the difference grows to Rs 20,000-30,000. गोल्ड लोनs win on rate when gold is available. व्यक्तिगत ऋणs win when speed and no collateral requirement matter more.
Gold Value
₹3,30,000
Loan Amount
₹2,47,500
Monthly Interest
₹1,959
Total Interest
₹23,513
Gold price placeholder: ₹7,200/gram for 24K. RBI allows max 75% LTV for gold loans. Actual rates vary by lender and gold quality assessment.
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