Gold Loan —
Fast, Flexible & Fair

Get funds in your account within 24 hours. No collateral, minimal paperwork, and interest rates starting at just 12% p.a. Purpose-built for every financial need.

From 12% p.a.

Up to ₹15 Lakhs

Disbursed in 24 hrs

No Collateral

Tenure from 12 months

Calculate EMI

Plan Your Finances

EMI Calculator

Use our interactive calculator to estimate your monthly EMI instantly.

Calculate Your EMI

Gold Loans start from 12% p.a. with a minimum tenure of 12 months — drag the sliders to see your EMI

Preferred Loan Amount ₹5,00,000

₹50,000₹15,00,000

Interest Rate (per annum) 12%

12%24%

Loan Tenure (months) 12 mo

12 months (1 yr)36 months (3 yrs)

— EMI / Month

— Interest Payable

— Total Repayment

12% Fixed Rate
p.a.

Who Can Apply

Eligibility
Criteria

✓

Indian citizen between 21 and 60 years of age at time of loan maturity
✓

Minimum monthly income of ₹20,000 for salaried individuals
✓

Self-employed with minimum 2 years of business continuity and ITR proof
✓

Credit score of 650 or above (CIBIL / Equifax) preferred
✓

Minimum 1 year of work experience with current employer for salaried
✓

No active default or write-off in credit history in the last 24 months
↓

Download our eligibility checklist to prepare before applying
Download Eligibility PDF

What You'll Need

Required
Documents

📄

Identity Proof — Aadhaar Card, PAN Card, Passport or Voter ID
🏠

Address Proof — Utility bill, Rent agreement or Aadhaar (if address matches)
💰

Income Proof (Salaried) — Last 3 months salary slips & 6 months bank statement
📊

Income Proof (Self-Employed) — Last 2 years ITR with computation & P&L statement
🖼️

Photographs — 2 recent passport-size photographs
🏢

Employment Proof — Offer letter or employment certificate from current employer
↓

Download complete document checklist — print and prepare before visiting
Download Document Checklist PDF

Simple Process

How to Apply

Get your Gold Loan in 4 simple steps through our branches or by contacting our loan experts.

Contact Our Team

Call us, send a WhatsApp message, or visit your nearest branch to discuss your Gold loan requirements.

Share Your Details

Provide basic Income and personal information so our team can assess your loan eligibility.

Submit Documents

Submit the required documents by email or at your nearest branch. Our team will verify them promptly.

Approval & Disbursement

After successful verification and approval, the loan amount is credited directly to your bank account.

Got Questions?

Frequently Asked
Questions

We offer Gold Loans from ₹50,000 up to ₹15,00,000 depending on the value of the gold pledged. The loan starts at an interest rate of 12% p.a. (based on your gold value and credit profile) with a minimum tenure of 12 months.

We prefer a CIBIL score of 650 or above for standard processing. However, applicants with lower scores may still be considered based on overall financial profile and existing banking relationship with us.

Once your application is approved and documents are verified, the loan amount is credited to your bank account within 24 working hours. In some cases, same-day disbursal is also possible.

Yes — Gold Loans are secured against the gold ornaments/jewellery you pledge. No separate guarantor is required. The loan amount depends on the value and purity of the gold.

Yes, you can prepay or foreclose your loan at any time during the tenure. Nominal foreclosure charges may apply as per your loan agreement. Please check the specific terms at the time of application.

Processing fee ranges from 1% to 2% of the loan amount plus applicable taxes. During promotional periods, processing fees may be waived. No hidden charges — all fees are disclosed upfront before signing.

Yes. Self-employed individuals, business owners, and professionals are eligible. You will need to provide ITR for the last 2 years, bank statements, and business continuity proof.

Missing an EMI may attract a late payment penalty and can negatively impact your CIBIL score. We recommend setting up auto-debit from your account. Contact our support team before missing a payment — we may be able to assist.

Ready to Apply?

Get your Gold Loan approved quickly. Our team is here to guide you through every step of the process.

Call: +91 9011229871 WhatsApp Us — Quick Reply

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Gold Loan —Fast, Flexible & Fair