Gold Loan
Pledge your gold ornaments to secure instant funds for medical emergencies, business operations, or personal needs. Enjoy low interest rates, flexible repayment options, and secure bank vaults.
Eligibility & Documents
Ensure you meet these basic criteria and keep the required documents ready for fast processing.
Eligibility Criteria
- Resident Indian: Applicant must be a resident Indian citizen aged 18–70 years.
- Asset Ownership: Gold ornaments and jewelry must rightfully belong to the applicant.
- Gold Purity: Ornaments must have a purity value between 18 Karat and 22 Karat.
- Income Proof: Income proofs are not mandatory for gold-collateralized loan schemes.
- Purity Assessment: Instant testing completed by an authorized valuer at the bank.
Required Documents
- KYC Documents: Aadhaar Card, PAN Card, Passport, or Voter ID.
- Address Proof: Recent utility bills, Passport, or property registration copy.
- Photographs: Recent passport-sized color photographs of the borrower.
- Valuation Receipt: Purity appraisal receipt issued during counter verification.
Key Highlights
Everything you need to know about our gold loan product in one quick summary.
Loan Amount
₹20,000 – ₹50 LakhsInterest Rate
Starting 8.50% p.a.Tenure Options
6 – 24 MonthsCollateral Option
Gold Ornaments PledgedProcessing Fee
Starting from 0.25%Disbursal TAT
Quick 30-45 MinsGold Purity
18 to 22 CaratsRepayment
Bullet / EMI SchemesQuick Eligibility Check
Why Customers Trust Us
We maintain 100% compliance and transparent assistance for all clients since 2017.
Multiple Bank Partners
Collaborated with leading PSU, Private banks, and NBFCs for maximum approval rates.
Transparent Process
Zero hidden charges, upfront processing details, and regular updates at every step.
Expert Loan Guidance
Experienced advisors coordinate with bank underwriters to ensure standard profile approvals.
Frequently Asked
Questions
Clear answers to common questions about gold loan approvals and terms.
Your pledged gold is stored in high-security, fire-proof, bank-grade vaults under 24/7 CCTV surveillance, and is fully insured. It remains safe and untouched until you retrieve it after repayment.
The Loan-to-Value (LTV) ratio for gold loans is set by RBI guidelines and can go up to 75% of the assessed value of the gold. Only the weight of pure gold is considered, excluding stones or gems.
You can opt for monthly EMIs, pay interest monthly and principal at maturity (bullet repayment), or make part-payments according to your financial convenience.
Gold ornaments and jewelry with a purity of 18 karats up to 22 karats are accepted. Gold coins of up to 50 grams with 24 karats purity may also be accepted by selected lenders.
Since gold loans are secured by physical gold assets, a high CIBIL score is not mandatory. It is an excellent option for individuals with low credit history.
You only need basic KYC documents: identity proof (Aadhaar, PAN card, or Voter ID) and address proof, along with your physical gold ornaments for valuation.