Gold Loans
Get quick and hassle-free loans against your gold jewelry and assets with competitive interest rates and flexible repayment options.
Benefits of Gold Loans
Discover why gold loans are a smart financial choice for many of our customers.
Lower Interest Rates
Gold loans typically offer lower interest rates compared to personal loans or credit cards, making them a cost-effective borrowing option.
Quick Processing
Minimal documentation and fast processing mean you can access funds quickly, often within the same day of application.
Retain Ownership
Unlike selling, you retain ownership of your gold. Once the loan is repaid, your gold is returned to you in the same condition.
Minimal Documentation
Gold loans require less paperwork compared to other loans. Basic ID proof and address verification are usually sufficient.
Flexible Repayment
We offer various repayment options, including interest-only payments with principal at maturity, or regular EMIs based on your preference.
No Credit Check
Gold loans are secured by your gold, so your credit history doesn't impact approval. This makes them accessible even with limited credit history.
Our Loan Process
We've made getting a gold loan simple, transparent, and hassle-free.
Gold Evaluation
Our experts assess your gold items using advanced testing methods to determine purity and value.
Loan Offer
Based on the evaluation, we provide a loan offer with transparent terms, interest rates, and repayment options.
Documentation
Complete simple paperwork with basic ID and address proof. We help you through the entire process.
Disbursement
Receive your loan amount immediately through your preferred payment method - cash, bank transfer, or check.
Repayment & Redemption
We offer flexible repayment options to suit your financial situation.
Interest-only payments: Pay only the interest during the loan term and the principal at maturity.
EMI payments: Pay both principal and interest in equal monthly installments.
Bullet repayment: Pay the entire loan amount with interest at the end of the term.
Early redemption: Repay the loan before maturity with minimal or no prepayment penalties.
Once the loan is fully repaid, your gold is returned to you in the same condition as it was deposited.
Frequently Asked Questions
Common questions about our gold loan services
What types of gold do you accept for loans?
We accept a wide variety of gold items including jewelry (necklaces, rings, bangles, etc.), coins, and bars. The gold should be at least 18K (75% pure) to qualify for a loan. We evaluate each item individually based on its purity and weight.
How much loan can I get against my gold?
The loan amount typically ranges from 60% to 80% of the market value of your gold, depending on the purity, weight, and current market price. We offer competitive loan-to-value ratios to ensure you get the maximum benefit from your assets.
What is the interest rate on gold loans?
Our interest rates are competitive and tailored to each customer's specific situation. Rates vary based on multiple factors including loan amount, tenure, type of gold items, market conditions, and whether the gold is leveraged. We provide a personalized quote after evaluating your gold items and discussing your requirements.
What is the loan tenure?
Our standard loan tenure ranges from 3 months to 12 months. However, we offer flexibility and can customize the tenure based on your requirements. Extensions are also possible subject to regular interest payments and reassessment of the gold value.
How safe is my gold during the loan period?
Your gold is completely secure with us. We store all pledged items in secure bank vaults with 24/7 surveillance, comprehensive insurance coverage, and strict access controls. These bank-grade security measures ensure maximum protection for your valuable assets. We provide a detailed receipt of all items deposited, and your gold is returned in the same condition upon loan repayment.
What happens if I can't repay the loan?
We understand that financial situations can change. If you're unable to repay the loan, we first offer extension options with revised terms. If repayment remains challenging, we may need to liquidate the gold to recover the loan amount. Any excess value after recovering the loan amount and associated charges is returned to you.
Ready to Get a Gold Loan?
Contact us today to learn more about our gold loan services and get a free evaluation of your gold items.
