Financial advice

Hello everyone,

I have ₹7 lakhs in cash, which I took as a personal loan at an interest rate of 11% for a 2-year tenure.

I initially planned to use this loan amount to buy physical gold for my sister’s marriage. However, I somehow managed to buy the gold using my savings, so the loan amount remains unused.

My next plan is to build a house with a budget of ₹25 lakhs, and I am thinking to start the construction by next year.

Now my doubt is: Should I buy gold coins worth ₹7 lakhs and keep them for one year and sell it, or is it better to keep the money in the bank?

Please advise.