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Gold (1gm)
Price on 05/12/2024 (Today): ₹ 4730 04/12/2024: ₹ 4555 ▲ ₹ 175 (3.84%)
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Gold Loans

Personal Gold Loans

Avail of gold loans by pledging ornaments including gold coins sold by banks with minimum paper work and very low interest rate

Gold Loan Highlights

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Instant Cash
Avail cash with minimum waiting time
Long term
Long term repayment schemes available
Minimal documents
We insist on minimum documentation
Short term
Loans available for the short term
Expert guidance
We are happy to help you made the best choices
Low Interest
Get the best interest rates with our loans

Gold Schemes

Five attractive packages at interests ranging from 7% to 18%

Soubhgya Gold Loan
Avail of loans at the lowest possible interest
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Gold Loan Regular
At low starting interest, ideal for meeting individuals’ needs
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Super Gold loan scheme
Get the benefit of optimum amount at optimum interest
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Super Plus Gold Scheme
Great value loans to kickstart small businesses with
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Special Business Gold Loan Scheme
Long-term loans devised to best suit business requirements
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Gold Schemes
Interest Rate
Loan Amount
Soubhgya Gold Loan

Higher tenure and lower interest rates

7%
Up to Rs. 50,000
Gold Loan Regular

Maximum tenure and low interest rates

12%
Rs. 1,000 - Rs. 1,00,000
Super Gold loan scheme

Maximum tenure and low interest rates

15%
Rs. 3,000 - Rs. 5,00,000
Super Plus Gold Scheme

Maximum tenure and Loan to Value (LTV)

18%
Rs. 10,000 - Rs. 2,00,000
Special Business Gold Loan Scheme

Designed as a short-term loan with maximum LTV for urgent business requirements.

18%
Rs. 25,000 - Rs. 5,00,000

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Frequently Asked Questions

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What happens if the borrower does not repay the gold loan?
The gold is pledged as collateral. If borrower does not replay the gold loan for three consecutive payments, the bank will auction off the gold and raise the money. It will be treated as a non-performing asset to be sold off for recovery.
Does one need to name a nominee for gold loan?
Yes, there should be a nominee. The nominee will receive the proceeds of the account if the account holder is deceased.
How do you calculate gold loan amount?
Gold loan interest is calculated by subtracting the principal amount from the total amount to be paid. The total amount you would pay by the end of tenure can be calculated using a repayment calculator.
How does gold loan work?
The lending bank will evaluate the gold articles and verify the documents submitted. Based on the evaluation, loan amount is sanctioned. The borrower will pay off the principal amount along with the interest amount and get the pledged gold articles back.
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