Product comparison
Gold Loan vs Personal Loan
Gold loans offer lower rates with jewellery pledge, while personal loans are unsecured with faster digital KYC. Choose based on collateral comfort and ticket size.
Side-by-side comparison
| Feature | Gold Loan | Bharosa Personal Loan |
|---|---|---|
| Collateral required | Yes | No |
| 100% digital / no branch visit | Partial | Yes |
| Typical LTV on gold value | 75–85% | N/A |
| Loans from ₹500 | No | Yes |
| Risk of gold auction on default | Yes | No |
| Fixed EMI schedule | Yes | Yes |
| P2P marketplace funding | No | Yes |
| Same-day disbursal possible | Yes | Yes |
Our verdict
Use gold loans when you have idle jewellery and want lowest rate. Choose Bharosa personal loans when you cannot pledge gold or need fully digital paperless funding.