Our Website Uses Cookies

We Use Cookies To Enhance Your Browsing Experience And To Analyze Our Website Traffic. By Continuing To Use Our Site, You Consent To The Use Of Cookies. These Cookies Help Us Understand Your Preferences And Improve Our Services. You Can Manage Your Cookie Settings At Any Time Through Your Browser. Read More

Cookies

We use cookies to ensure you get the best experience on the website. We won’t load any cookies on your browser/ device unless you accept the cookie acceptance banner message that appears at the bottom of the site

Cookies information

When we provide services, we want to make them easy, useful and reliable. Where services are delivered on the internet, this sometimes involves placing small amounts of information on your computer, mobile phone or whatever device you are using to access the internet. This information is held in cookies. You can learn more about cookies from the GOV.UK guidance on cookies.

Cookies are used to improve services for you by, for example:
  • To track how many people are using the content that they are hosting
  • To prevent misuse of their platform
  • To easily connect it to any existing social account you may have set up with that platform independently of this site

When we provide services, we want to make them easy, useful and reliable. Where services are delivered on the internet, this sometimes involves placing small amounts of information on your computer, mobile phone or whatever device you are using to access the internet. This information is held in cookies. You can learn more about cookies from the GOV.UK guidance on cookies.

Blogs | Kosamattam Finance
Blog

Stay Informed, Stay Prepared with Instant Updates

Gold loan vs personal loan comparison

Gold Loan vs Personal Loan: Which Costs Less and Which Is Riskier?

A gold loan usually has a lower interest rate, but is it always cheaper than a personal loan? Compare repayment costs, risks, approval, and the factors to consider before choosing.

31 October, 2026

6 mins read

How to identify fake loan apps and loan offers in India

How to Spot a Fake Loan App or Offer in India: A 5-Minute Check

Learn how to identify fake loan apps and offers in India. Check RBI registration, spot fraud, understand app permissions and know where to report loan scams.

28 October, 2026

5 mins read

Gold loan auction rules and borrower rights in India

Gold Loan Auction Rules in India: What Lenders Must Do and What You Can Do

Learn the gold loan auction rules in India, including notice periods, reserve prices, surplus refunds and steps you can take to stop an auction.

26 October, 2026

6 mins read

Gold coins and gold jewellery for a gold loan in India

Can You Get a Gold Loan Against Gold Coins in India?

Find out whether gold coins qualify for a gold loan in India, the applicable RBI restrictions, how lenders calculate the loan amount, and what options are available if you only own gold coins.

21 October, 2026

5 mins read

does gold loan affect cibil score

Does Gold Loan Affect CIBIL Score? Everything You Need to Know

Thinking of taking a gold loan? Find out how gold loans are reported to CIBIL, what affects your credit score, and the best ways to use a gold loan without harming your credit profile.

25 June, 2026

6 minutes read

what is gold loan

What is a Gold Loan? Complete Guide to Features, Benefits & Risks

Discover how gold loans work, their interest rates, benefits, risks, RBI guidelines, LTV limits, repayment options, and key factors to consider before borrowing.

25 June, 2026

10 minutes read

Gold Loan Takeover Explained: How to Transfer Your Existing Gold Loan

Thinking of switching lenders? Learn how a gold loan takeover works, the benefits, costs, required documents, and how to save money on interest.

24 June, 2026

5 minutrs read

What Happens If Gold Prices Fall After Taking a Gold Loan?

What Happens If Gold Prices Fall After Taking a Gold Loan?

A drop in gold prices can affect your gold loan through higher LTV ratios and possible margin calls. Learn the risks, lender actions, and smart ways to stay protected.

23 June, 2026

5 minutes read

Why Do Different NBFCs Offer Different Interest Rates on Gold Loans

Why Do Different NBFCs Offer Different Interest Rates on Gold Loans

Gold loan rates vary across NBFCs due to funding costs, LTV policies, risk models, and operating expenses. Learn what drives these differences and compare them wisely.

08 June, 2026

Gold Loan Popularity

Why Gold Loans Are Booming in 2026: Key Reasons Every Borrower Should Know

Gold loans are growing faster than ever in 2026 thanks to record gold prices, RBI’s new LTV norms, instant digital disbursal, and lower interest rates. Here’s why millions of borrowers are turning to gold-backed credit.

08 June, 2026

5 minutes read

career-form-success openModal

Success

Thank you for reaching out to us. We appreciate your inquiry and will get back to you shortly!

career-form-failed-openModal

Something Went Wrong!

Sorry, We can't process your request at this time.

Nav-logo
Filing Complaints on SCORES – Quick & Easy

I. Register on SCORES portal

II. Mandatory details for filing complaints on SCORES :

i.Name, Email, Mobile Number, PAN and Address


III. Benefits :

i. Effective communication

ii. Speedy redressal of the grievances

Website : https://scores.gov.in
Nav-logo
Key Reasons for Kosamattam Finance's Security Leadership:

career-form-success openModal

Success

Thank you for reaching out to us. We appreciate your inquiry and will get back to you shortly!