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Gold Loan

Gold Loan Features

Features and Benefits of our Gold Loan

  • Secured Loan: Backed by gold collateral.
  • Quick Processing: Fast approval and disbursement.
  • Flexible Loan Amount : Based on pledged gold value.
  • Instant Liquidity: Access funds quickly without selling gold.
  • Lower Interest Rates: Secured nature leads to competitive rates.
  • Versatile Use: No restrictions on how loan funds are used.

Gold Loan Eligibility Criteria

  • Age: Typically, borrowers should be 18 years or older.
  • Ownership: You must own the gold being pledged.
  • Gold Quality: The gold should meet the lender's purity standards.
  • Identification: Valid government-issued ID for identity verification.

Gold Loan Documents

  • Identity and signature proof
  • Voter ID
  • Passport
  • Aadhaar Card
  • Driving License
  • PAN Card
  • Employee Identity Card (in case of government employees)
  • Address Proof
  • Rent Agreement
  • Bank Statement
  • Voter ID Card
  • Passport
  • Driving License
  • Telephone/Electricity/Water/Credit Card bill or Property tax.
  • Two post-dated cheques for security purposes
  • Passport-size photographs

Gold Loan Fees & Charges

The fees and charges of gold loans usually vary from lender to lender and from case to case. The aforementioned table will give you a fair idea of the fees and charges related to gold loans:

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 personal loan include documentation charges, verification charges, duplicate statement charges, NOC certificate charges and swap.

Gold Loan Reviews

Gold Loan FAQs

A gold loan is a type of secured loan where gold jewelry or ornaments are used as collateral. The value of the loan is determined based on the market value of the gold provided as security. Gold loans are typically short-term loans with a quick disbursal process and are commonly used for meeting urgent financial needs.
The maximum loan amount you can get for a gold loan depends on several factors, including the purity and weight of the gold provided as collateral, the lender's policies, and the prevailing market value of gold. Typically, lenders offer loans ranging from 60% to 80% of the value of the gold ornaments pledged as collateral. However, the actual loan amount offered to you will depend on the specific terms and conditions of the lender.
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