LOAN PRODUCTS

Gold Loan Up to ₹50 Lakh

Unlock the Value of Your Gold — Instant Cash Without Selling

10–20% p.a. Same Day Disbursal Secure Gold Storage Up to 75% LTV
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AT A GLANCE

Gold Loan Features

Loan Amount

₹10,000 – ₹50,00,000

Tenure

3 to 36 months

Interest Rate

10% – 20% p.a.

Disbursal Time

Same day — within hours

LTV Ratio

Up to 75% of gold value

Gold Security

Insured vault storage

PROCESS

How Gold Loan Works

01
1
Visit Branch

Bring your gold jewellery to our nearest branch or request home visit

02
2
Gold Evaluation

Expert gemologist evaluates purity and weight — no hidden deductions

03
3
Sign Agreement

Simple paperwork, e-sign loan agreement digitally

04
4
Get Cash

Loan amount credited to your bank account the same day

ESTIMATE

Gold Loan Calculator

Estimate how much loan you can get against your gold

Apply for Gold Loan

Eligibility

  • Age: 18 to 70 years
  • Gold: 18 to 24 Karat purity accepted
  • Gold Weight: Minimum 5 grams
  • Ownership proof preferred (invoice/receipt)
  • Any income type accepted — no income proof required
  • No CIBIL score requirement

Documents Required

Identity Proof
  • Aadhaar Card
  • PAN Card
  • Passport Photo
Address Proof
  • Aadhaar / Utility Bill
  • Voter ID (optional)
Gold Details
  • Original gold jewellery
  • Purchase invoice (if available)
  • No bank account required for small loans
BENEFITS

Why Choose Our Gold Loan?

100% Safe & Insured

Your gold is stored in high-security insured vaults. Full insurance coverage provided.

Instant Disbursal

Cash in your account within hours of gold valuation. No waiting, no delays.

Lowest Rates

Gold loans start at just 10% p.a. — among the lowest secured loan rates in India.

No CIBIL Required

Bad credit score? No problem. Gold value is all that matters for this loan.

Get Gold Back

Repay the loan anytime and get your gold back — clean and intact.

Multiple Use

Use the funds for any purpose — business, medical, education, or emergency.

PRICING

Rates & Charges

ParticularsRate / Amount
Interest Rate (p.a.)10% – 20%
Processing Fee0.5% – 1% of loan amount
Gold Valuation FeeFREE
Prepayment ChargesNIL
Storage / InsuranceIncluded in interest rate
Auction Notice Fee (if applicable)₹500 (only on default)
FAQs

Gold Loan FAQs

We accept gold jewellery, ornaments and coins of 18 to 24 Karat purity. Gold bars and biscuits are also accepted with appropriate purchase documents.

Absolutely. Your gold is stored in RBI-compliant high-security insured vaults. It is fully insured for its entire market value throughout the loan tenure.

Yes! You can repay the outstanding loan amount at any time with zero prepayment penalty. Your gold will be returned to you clean and intact within the same business day.

LTV (Loan to Value) ratio is the percentage of your gold's market value you can borrow. We offer up to 75% LTV as per RBI guidelines — one of the highest in the market.

Unlock Your Gold's True Value Today

Fast, safe, and the lowest rates — get cash against your gold in hours

Apply Now Contact Us