GOLD LOAN – SECURE FUNDS WITH YOUR GOLD
WHY CHOOSE OUR GOLD LOAN?
- A gold loan is the simplest way to unlock the value of your jewellery/ornaments without selling it.
- By pledging your gold jewellery/ornaments, you gain immediate access to funds while your gold remains safe in our custody.
प्रमुख विशेषताएं:
- Instant loan disbursal – Get funds credited within minutes.
- Attractive interest rates – Starting from 9% per annum.
- Flexible repayment – Choose EMIs, bullet repayment, or overdraft facility.
- High loan-to-value – Up to 75% of gold’s market value, as per RBI guidelines.
- Safe storage – Your gold is stored in safe vaults and insured.
ELIGIBILITY AND DOCUMENTATION
- Indian Citizen.
- Individuals Customers Aged between 18 years and 80 years.
- Gold purity: 18K–24K Jewellery / Ornaments/ Coins accepted (stones excluded).
- Documents required: Basic KYC (ID & address proof).
BENEFITS FOR CUSTOMERS
- Quick funds for personal, medical, or business needs.
- Transparent process with no hidden charges.
- Insurance cover for pledged gold available.
IMPORTANT NOTES
- Loan to Value (LTV) / Rate per Gram (RPG) based on RBI guidelines.
- Gold valuation excludes stones & impurity.
| CONSUMPTION LOANS | INCOME GENERATION LOANS |
|---|---|
|
|
| Product type | Product Sub type | Repayment Type |
|---|---|---|
| Consumption loan | Retail Gold loan | Bullet * |
| Consumption loan | Gold Plus OD | Monthly Repayment as per the Utilization of OD facility |
| Income Generation loan | Farm Credit – Crops,Farm Credit – Allied | Based on cash flow of the activity |
*Bullet repayment - Maximum tenor upto 12 months
Repayment Type
- Bullet – Principal along with the accrued interest amount at the end of the tenure.
- Overdraft – Monthly repayment basis the utilization of the limit
प्रक्रिया शुल्क
- Maximum of 0.25% of the Loan Amount (Not applicable for priority sector loans sanctioned up to Rs. 50,000/-)
Appraiser Fee
- Maximum of 0.25% of the Loan Amount
- Appraiser charges are paid to the appraiser upfront
- Not applicable for priority sector loans sanctioned up to Rs. 50,000/-.
Documentation Fee
| Income Generation Loan(IGL) (Farm Credit – Crops & Allied) |
Consumption loan | |||
| Loan ticket size | >₹50000 - ₹2.00 lakh | Above ₹2.00 lakh | Upto₹2.00 lakh | Above₹2.00 lakh |
| UBR | ₹50.00 | ₹100.00 | ₹50.00 | ₹100.00 |
| ग्रामीण | ₹50.00 | ₹100.00 | ₹50.00 | ₹100.00 |
| Semi Urban/ Urban/Metro | ₹100.00 | ₹100.00 | ₹100.00 | ₹100.00 |
GST As applicable
