I taken gold loan recently 15 days back near about 1 lakh they force me to take insurance for one lakhs that is extra cost to me they said it is compulsory, initially they didn’t said to me at the end they told to me to pay insurance with out that we will not give gold loan, this case if we include insurance amount too emi they rate interest will be more than 23 percent they show that only 18 percent in their paper and more thing now a day they are not giving cash they are transferring amount to bank where we need to wait in que to take amount .keep our gold rate of interest 24 percent my suggestion better go for bank where we can put gold 12 percent unknowingly I kept in muthoot