Gold Loan
Unlock instant funds against your gold jewellery — minimal documentation, quick valuation and fast disbursal.
Apply NowLoan Amount
₹10,000 – ₹25,00,000
Tenure
3 – 24 months
Interest Rate (APR)
10% p.a.
Processing Fee
Up to 1% of loan amount + GST
Loan-to-Value (LTV)
Up to 75% of gold value (as per RBI norms)
Disbursal Time
Within 30–60 minutes of gold valuation
*Indicative figures. Actual loan amount and interest rate depend on gold purity, weight and prevailing market rate. See our Interest Rate & Fees Policy for full details.
Eligibility Criteria
- • Indian resident aged 18 years or above
- • Owns gold jewellery (18–22 karat) to pledge
- • Valid identity proof
- • No minimum income or income proof typically required
Documents Required
- • Identity Proof: PAN Card, Aadhaar Card or Passport
- • Address Proof: Aadhaar Card, utility bill or rent agreement
- • Gold Ornaments: For on-the-spot appraisal and valuation
- • Photograph: Recent passport-size photo
All documents are collected digitally during the application process — no physical paperwork or branch visit required.
What You Can Use Gold Loan For
Emergency Cash Needs
Get instant liquidity against idle gold jewellery.
Business Working Capital
Fund short-term business needs without selling your gold.
Medical Expenses
Cover urgent medical bills with quick disbursal.
Agricultural Needs
Finance farming inputs or equipment during the season.
Education Expenses
Pay fees or exam costs with a short-term secured loan.
Factors That Affect Your Loan Approval
Purity & Weight of Gold
Higher purity (22K vs 18K) and weight increase the eligible loan amount.
Current Gold Market Rate
Loan amount is calculated based on the prevailing gold rate on the day of pledging.
Loan-to-Value (LTV) Chosen
A lower LTV means a smaller loan against the same gold value, but a safer repayment structure.
Repayment Scheme Selected
Choose between regular EMI or bullet repayment (interest monthly, principal at end of tenure).
Representative Example
For a loan of ₹1,50,000 at an interest rate of 12% p.a. (APR) for a tenure of 12 months, with a processing fee of 1% + GST:
- • Monthly EMI: approx. ₹13,327
- • Total amount payable: approx. ₹1,59,928
- • Total interest + fees: approx. ₹9,928
This is an illustrative example only. Your actual rate, fees and EMI will depend on your credit profile and will be shared before loan acceptance. Use our EMI Calculator for a personalised estimate.
Gold Loan FAQs
The loan amount depends on the purity and weight of your gold and the prevailing market rate, up to 75% of its value as per RBI norms.
Typically no — gold loans are secured against your gold jewellery, so income proof is usually not required.
In case of default, the Company may auction the pledged gold as per RBI guidelines and your loan agreement, after due notice.
Yes, pledged gold is stored securely with adequate insurance until the loan is fully repaid and the gold is released.
Yes, foreclosure is allowed as per your loan agreement. Applicable charges are disclosed in our Interest Rate & Fees Policy.