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Stylish Jewelry Set

Gold Loan

Need cash fast? Get a gold loan from us! Our process is quick and easy: simply come to our office and apply for the loan. We offer competitive interest rates and flexible repayment options. Use your gold to get the money you need, without having to sell your valuable possessions. Contact us today for more information.

Gold Loan Features & Benefits

Instant Disbursal: Get the loan amount credited to your bank account in just 30 minutes.
High LTV (Loan-to-Value): Get up to 75% to 85% of your gold's current market value.
Attractive Interest Rates: Rates starting from 8.9% p.a.
Safe & Secure: Your gold is stored in RBI-approved fire & earthquake-proof vaults with 24/7 surveillance and complimentary insurance.

No Credit Score Required: Perfect for those with no CIBIL history.

Multiple Repayment Options: Choose between Monthly EMIs, Interest-only payments, or Bullet Repayment (pay principal and interest at the end).

The Gold Loan Calculator 

Input Labels: * "Weight of Gold (in Grams)"

  • "Purity (18k, 20k, 22k, 24k)"

Output Text:

  • "Estimated Loan Amount: ₹XX,XXX"

  • "Interest Rate: X.XX%"

  • "Total Repayment: ₹XX,XXX"

Eligibility & Documentation

Eligibility Criteria

  • Age: Minimum 18 years, Maximum 70 years.

  • Nationality: Indian Citizen (Resident).

  • Gold Quality: Minimum purity of 18 Karat. Only jewelry/ornaments are accepted (minted coins/bars usually restricted per RBI).

     

  • Required Documents (KYC)

  • Identity Proof: Aadhaar Card, PAN Card, Voter ID, or Passport.

  • Address Proof: Utility Bills (Electricity/Gas), Rent Agreement, or Driving License.

  • Photographs: 2 recent passport-size photos.

Step-by-Step Process

  • Application: Fill in your details online or walk into a branch.

  • Valuation: Our experts weigh and test the purity of your gold in your presence.

  • Approval: Get the best loan offer based on current market rates.

  • Disbursal: Sign the agreement and receive funds instantly in your account.

  • Return: Once the loan is repaid, your gold is returned in the same condition as received.

6. Detailed Charges Table

  • Type of ChargeRate / Fee

  • Interest Rate8.9% - 14% (varies by scheme)

  • Processing Fee0% - 1% of loan amount

  • Valuation FeeFlat ₹250 - ₹500

  • Prepayment PenaltyNil (No charges for early closure)

  • Late Payment Penalty2% per month on the overdue amount

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