Gold Loan Features

Low Interest Rates

Attractive rates starting from 8% p.a. on gold loans.

Flexible Tenure

Choose repayment tenures ranging from 3 months to 3 years.

Instant Disbursement

Get funds credited within hours after gold evaluation.

100% Safe & Secure

Your gold is stored safely with full insurance protection.

Why Choose Our Gold Loan?

Benefits of pledging your gold for a loan:

  • Loan amount up to 75% of your gold's value
  • No prepayment charges on early repayment
  • Minimal documentation and quick processing
  • Gold stored securely with insurance cover
  • Instant approval and same-day disbursal

Pledge Your Gold, Get Instant Funds

Access quick cash with flexible terms while your gold remains safe and insured.

  • Lower interest rates with secured loan
  • Fast approval and disbursement
  • Repayment tenure up to 36 months

Apply for Gold Loan

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Gold Loan Eligibility

Check your eligibility to avail Gold Loan:

  • Age - 18 to 70 years old
  • Income - No minimum income requirement
  • Gold Purity - Minimum 18 carat gold
  • Occupation - Self-employed, salaried, or retired individuals

Documents Required

  • Identity Proof (Aadhar, PAN Card, Passport)
  • Address Proof (Utility Bills, Passport, Bank Statement)
  • Gold Verification (Gold weight, purity, and valuation details)
  • Income Proof (Salary Slips, Bank Statements - optional)

Gold Loan Calculator

Use the formula below to calculate your monthly EMI.

EMI Calculation Formula:

The formula for calculating EMI is:

EMI = P × r × (1 + r)^n / [(1 + r)^n - 1]

Example EMI Calculation:

Example details:

  • Loan Amount (P): ₹5,00,000
  • Annual Interest Rate: 12% (monthly r = 0.01)
  • Tenure (n): 2 years (24 months)

EMI = ₹24,264.76/month (approximately)

Frequently Asked Questions
What is a Gold Loan?
A Gold Loan is a secured loan where you pledge your gold ornaments or coins as collateral to borrow funds. It’s typically used for personal, business, or emergency expenses.
How much loan can I get against my gold?
The loan amount is typically 75-90% of the gold’s market value, depending on the lender's policies, the purity of gold, and the loan tenure.
What is the interest rate for a Gold Loan?
Gold Loan interest rates generally range from 10% to 24%, depending on the loan provider and the loan amount.
What type of gold can be used as collateral?
You can use 18 carat to 24 carat gold, including gold ornaments, coins, and bars, as collateral for a Gold Loan.
What is the tenure for a Gold Loan?
Gold Loans usually have shorter tenures ranging from 6 months to 3 years, depending on the lender's policies and your loan agreement.
Do I need to provide collateral for a Gold Loan?
Yes, a Gold Loan is a secured loan, meaning you need to pledge your gold as collateral until the loan is repaid.