Gold Loan
Apply Now
Gold Loan
Get immediate liquidity against your gold ornaments without selling them with our hassle-free gold loan solutions. We offer loans up to 75% of the gold's market value with interest rates starting at just 7.50% p.a. Our transparent valuation process ensures you get the best value for your gold, with loan amounts ranging from ₹10,000 to ₹50 lakhs. With minimal documentation and instant approval, you can access funds within 30 minutes while your gold remains safely secured in our RBI-approved vaults.
Why Choose Our Gold Loan?
Our gold loans come with flexible repayment options including monthly interest payments or bullet repayment at tenure end. Enjoy benefits like no prepayment charges, loan top-ups when gold prices appreciate, and online account management. We accept all types of gold ornaments (18-24 karat purity) except coins and bars. Special schemes are available for senior citizens and women borrowers with preferential interest rates. Our gold is insured at no extra cost to you, and we provide free locker facilities for high-value loans.
- Loan-to-value ratio up to 75% of gold's current market price
- Tenure flexibility from 7 days to 3 years
- Lowest interest rates starting at 7.50% p.a.
- No hidden charges or processing fees
We provide the most customer-friendly gold loan experience with daily interest calculation (pay only for the days you use the loan). Our doorstep gold collection and delivery service is available for senior citizens and premium customers. The entire process is transparent with proper testing and weighing of gold in your presence. You can avail multiple loans against the same gold ornaments (subject to valuation). Special overdraft facilities are available for business customers needing frequent access to funds against gold collateral.
Frequently Asked Questions
What gold items are accepted for gold loans?
We accept all gold jewellery (chains, rings, bangles, necklaces etc.) with minimum 18 karat purity. We don't accept gold coins, bars, biscuits, or stones-studded jewellery. The gold should be in good condition without any coating or plating. Each item is individually tested and weighed in your presence.
How is the gold valuation done?
Gold valuation is based on: 1) Current market price per gram (updated daily), 2) Purity checked through electronic testing, 3) Gross weight measured using certified scales. The loan amount is calculated as (Gold Weight × Purity % × Current Price × LTV Ratio). You receive complete transparency in the valuation process.
What happens if I can't repay the gold loan?
We provide multiple options: 1) Interest-only payment extension, 2) Partial principal repayment, 3) Loan restructuring with revised terms. Only after all recovery attempts fail would we auction the gold (as per RBI guidelines). We send multiple reminders before taking any such action and always prefer to find repayment solutions.
