Every year, more than 10,000 organizations from over 60 countries partner with Great Place to Work® Institute for assessment, benchmarking, and planning actions to strengthen their workplace culture. Great Place to Work® Institute’s methodology is recognized as rigorous and objective and is considered the gold standard for defining great workplaces across business, academia, and government organizations. Great Place to Work® Certification Program is the first step for an organization in its journey to build a High-Trust, High-Performance Culture™, and INDEL MONEY has successfully accomplished this milestone.r
Great Place to Work® Trust Index© Employee Survey is the world’s most widely used model to understand employee perceptions about their workplace. As part of this assessment, the Great Place to Work® Institute measured the perceptions of the employees using the Great Place to Work® Trust Index© Employee Survey and understood INDEL MONEY’s differentiating culture through the Culture Brief© and Culture Audit©. The online survey was attempted by more than 500 selected employees from different States. Increase in Great Place to Work® Trust Index© Score positively impacts productivity, innovation, costs, and other business results.r
Gold prices in India are likely to stay supported in the near term as long as global uncertainties around the US, Russia–Ukraine, Iran and China remain elevated, and investors continue to treat gold as a safe‑haven asset.
Yes, prices remain volatile. But as investors in the yellow metal, it is better to focus on discipline and asset allocation rather than let short-term headlines sway your ship.
With ongoing tensions in the Russia–Ukraine war, concerns around Iran, and renewed trade and geopolitical frictions involving the US and major economies, the global risk sentiment continues to be more or less fragile.
If we look at history, it is during such periods that international gold prices go up. In fact, internationally, gold hit fresh record highs of $4,700 per ounce recently. So if global investors have a great appetite for the strong safe-haven asset that is gold, why shouldn’t you?
As Indians, we know how our society is interlinked to gold. We, as a nation, are one of the world’s largest consumers of gold. And, domestic prices closely track global trends, adjusted for the rupee and taxes.
In January 2026, retail 24‑carat gold prices in India hover near all‑time highs, with quotes moving from around Rs 13,500 per gram at the start of the year to above Rs 15,000 per gram in the third week of the month. This is because the India demand remains firm, along with global support for the increasing gold prices.
Whether you need funds for a medical emergency, education, business expansion, or any unexpected expense, borrowing money is an important financial choice. Two of the most common options available in India are personal loan and gold loan in India. Each has its own advantages and potential drawbacks, and the right choice for you can make a big difference in your financial health.
At Indel Money, we believe informed decisions lead to better financial outcomes. This comparison will help you understand which option, gold loan or personal loan, is better suited for your needs.
A gold loan is a secured loan where you pledge your gold jewellery or coins as collateral with a lender in exchange for funds. The value of the loan depends on the purity and weight of the gold you offer.
Because the loan is backed by a tangible asset, lenders often provide higher loan amounts with comparatively lower interest rates. You retain ownership of your gold, and it is returned to you once the loan is repaid in full.
A personal loan is an unsecured loan, which means it does not require any collateral. The lender approves the loan based on your credit score, income stability, and repayment capacity.
Personal loans offer flexibility in usage. You can use them for virtually any purpose. However, since there is no asset securing the loan, interest rates tend to be higher than secured loans like gold loans.
One of the biggest differences between gold loans and personal loans lies in the interest rate.
Gold loans generally offer lower interest rates because they are secured by gold. This reduces the lender’s risk and allows them to provide more affordable borrowing options.
Personal loans come with higher interest rates since they are unsecured. Lenders price in the additional risk, which can increase the overall cost of borrowing.
Gold loans are sanctioned based on the value of the gold pledged, usually up to a certain percentage of the current market value. If you own gold, you may be eligible for a substantial loan with minimal documentation.
Personal loans depend heavily on your credit score, income level, and financial history. Even borrowers with strong credit profiles may face limits on the loan amount.
Gold loans are often processed faster, as the approval is primarily based on the valuation of gold. In many cases, funds can be disbursed on the same day.
Personal loans require income verification and credit checks, which can extend the approval process, especially if documentation needs review.
Both gold loans and personal loans offer flexibility in how the funds are used. However, personal loans are generally perceived as more flexible, as they do not involve collateral or restrictions related to pledged assets.
Timely repayment of both gold loans and personal loans can support a healthy credit score. On the other hand, missed payments or defaults on either type of loan can negatively affect your credit profile.
With a gold loan, failure to repay may result in the lender selling the pledged gold to recover the outstanding amount. This makes repayment discipline especially important.
Personal loans do not put physical assets at risk, but defaults can still lead to legal action and long-term damage to your credit score.
