Gold Loan Services
Access instant liquidity by pledging your gold without selling it. Enjoy lower interest rates and quick processing with our gold loan services.
Features & Benefits
Secured Loan
Backed by gold collateral, reducing lender risk and leading to lower interest rates.
Quick Processing
Fast approval and disbursement - get funds when you need them most.
Flexible Loan Amount
Loan amount determined based on the value of your pledged gold.
Instant Liquidity
Access funds quickly without the need to sell your precious gold.
Lower Interest Rates
Secured nature of the loan leads to competitive interest rates.
Versatile Use
No restrictions on how loan funds are used - complete financial flexibility.
EMI Calculator
A Gold Loan EMI calculator helps you estimate monthly installments based on the principal amount, interest rate, and tenure.
Eligibility & Documentation
Eligibility Criteria
- Age: 18 years or older
- Must own the gold being pledged
- Gold should meet lender purity standards
- Valid government-issued ID for verification
Required Documents
- Identity & Signature Proof (Voter ID, Passport, Aadhaar, DL, PAN)
- Employee Identity Card (government employees)
- Address Proof (Rent Agreement, Bank Statement, Voter ID, Utility Bills)
- Two post-dated cheques for security purposes
- Passport-size photographs
Fees & Charges
| Particulars | Charges |
|---|---|
| Loan Processing Fees | 0.2% to 0.6% of loan amount |
| Loan Cancellation | 1% |
| Stamp Duty Charges | As per actuals |
| Legal Fees | Nil |
| Penal Charges | Nil |
Other fees and charges that lenders may levy on your gold loan include documentation charges, verification charges, duplicate statement charges, NOC certificate charges and swap.