I would go for private banks compared to government banks in India. Government banks in India go through a tedious process when sanctioning the loan amount.
In terms of faster service and very good digital reach again I would say private banks. You may approach major private banks such as HDFC Bank or other banks. You may require minimum documents and processing is faster when it comes to a gold loan.
This shows you can expect loans more easily and fast with private banks compared to government banks where there’s a lot of paperwork and hidden charges involved.