Gold Loan


In Rs.
In Rs.




Product Overview


Many people buy gold ornaments, jewellery or invest in gold coins, not only as an interest to wear the jewellery, but also for an investment purpose. When a person buys gold, it gives a sense of security to the people that they have made a safe investment. Unlike other investments gold as an investment is considered safe. However, gold bought for securing their future can be used to safeguard their present as well. A person who is in need of some kind of instant finance can apply for a loan on the gold that they have in their house or lockers.


  • Quick loan disbursal - same day/in hours.

  • Maximum Loan upto Rs.1 Crore - This differs as per the policy of the banks/FIs.

  • Any type of gold jewellery can be pledged, including gold coins and bars.

  • Interest is paid month-on-month, however the principal can be repaid in lumpsum at the end of the loan tenure.

  • Very less paper work.

  • Any person, salaried / self-employed can avail this loan.

  • All you need is gold to be pledged, in your name, with an ID and an address proof.

  • The applicant's age should be minimum 18 years.

  • Banks/Financial Institutions generally offer a maximum loan of 75% of the value of the gold (on market price as on the day of availment).

  • The loan tenure varies from 12 months -60 months as per the norms of the bank.

  • Coins/bars have more value than ornaments, and stone studded jewellery, because of the purity.

  • Application form duly signed

  • Passport size photographs, ID proof, Age proof & Address proofs

  • PAN card/Form 60

  • Post sanction documentation of the bank/NBFC/Financial Institution.