not just the headline rate processing fees， ICICI) offer lower interest rates (8.7514% p.a.) and higher security for your gold but require more documentation and typically disburse in 12 days. NBFCs (Muthoot Finance， valuation charges。

Banks (SBI， banks are cheaper. For emergencies where you need cash today， HDFC， Manappuram) charge higher rates (7.524% p.a.) but offer lightning-fast disbursal often within 30 minutes with minimal paperwork. NBFCs also have more branches in semi-urban and rural areas. For planned expenses with time to prepare， and actual applicable rate (not just the minimum advertised rate) matter. ， NBFCs are unbeatable. Compare total cost over your planned tenure，。

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