Gold Loan
Fast, cheap credit against jewellery you already own.
A secured loan against gold jewellery: the lowest rates on the site, disbursed the same day, with doorstep valuation available across major cities.
Built for these borrowers.
- Anyone with 22K–24K gold jewellery
- Borrowers who want the cheapest possible rate
- Business owners bridging short-term cash-flow gaps
What we'll need from you.
Eligibility
- Age 21–70
- Gold jewellery (22K or 24K): ornaments only, not coins/bars
- PAN and Aadhaar
- Indian resident
Documents
- PAN and Aadhaar
- Address proof
- The gold jewellery being pledged
What borrowers actually use this for.
- Business inventory or supplier payment
- Medical or wedding expense at a lower rate than unsecured personal loan
- Bridging a house-sale timeline
- Cheaper alternative to a personal loan for large tickets
See what gold loan will cost you.
Answers to what people ask.
How is the gold valued?
By a certified valuer, at the daily gold rate published by the RBI's authorised sources. You receive a signed valuation certificate before any disbursal.
What LTV can I get?
Up to 75% of the assessed value of the gold, in line with RBI norms for gold-loan LTV.
Is my gold safe?
Pledged gold is stored in insured, tamper-evident vaults with 24×7 CCTV. It is returned to you when the loan is fully closed.
Can I close the loan early?
Yes, any time. Interest is charged only for the period the loan was outstanding. A small foreclosure charge may apply. Check the key-fact statement.
What happens if I can't repay?
You have multiple grace and restructuring options. Only after repeated defaults and adequate notice will the pledged gold be auctioned. The surplus, if any, is returned to you.