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.

KEY FEATURES:

• 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 insured and kept in secure vaults.

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.

IMPORTANT NOTES

• Loan to Value (LTV) / Rate per Gram (RPG) based on RBI guidelines.
• Gold valuation excludes stones & impurity.

LOAN CATEGORIES

SCHEMES AND TENOR

*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

CLICK HERE TO VIEW THE RATE OF INTEREST

PROCESSING CHARGES

• 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

GST As applicable