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GOLD LOAN – SECURE FUNDS WITH YOUR GOLD

GOLD LOAN – SECURE FUNDS WITH YOUR GOLD

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:

  • Competitive 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 stored in safe vaults and insured.

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) and income proofs wherever applicable.

BENEFITS FOR CUSTOMERS

  • Quick funds for personal, medical, or business needs.
  • Transparent process with no hidden charges.
  • Insurance cover for pledged gold available.

IMPORTANT NOTES

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

LOAN CATEGORIES

CONSUMPTION LOANS INCOME GENERATION LOANS
  • Marriage expenses
  • Family expenses
  • Education
  • Medical expenses
  • Travel expenses
  • Purchase of Consumer Durables.
  • Margin money charges for requirement for Housing loan / Registration expenses
  • Renovation & repairs
  • To meet expenses relating to Cultivation of Crops
  • Pre- and post-harvest expenses
  • Purchase of fertilizers
  • To meet expenses relating to allied activities namely Dairy, Fishery, Poultry, Sheep, Horticulture, and Bee Keeping
  • To meet the investment credit needs for land development, Farm maintenance,acquiring farm implements / machinery, irrigation equipment, solar pumps etc.,
  • Business purposes and not for any speculative activities
  • To support working capital requirements of the business for strengthening liquidity and current assets of the business.
  • To meet cash flow requirements of the business resulting from mismatch in working capital cycle/ To bridge temporary cash crunches.
  • For business start-up.
  • For business expansion.
  • New equipment purchase.
  • Support new orders/ Contracts.
  • To meet Seasonal demand/ Spikes.
  • Loan for Commercial Purpose
  • For Purchase/Construction of commercial property and providing financial assistance for office spaces, warehouses and retail outlets.

SCHEMES AND TENOR

Product type Product Sub type Repayment Type
Consumption loan Retail Gold loan Bullet *
Consumption loan Gold Plus OD Monthly Repayment as per the Utilization of OD facility
Income Generation loan Farm Credit – Crops,Farm Credit – Allied Based on cash flow of the activity

*Bullet repayment - Maximum tenor upto 12 months

REPAYMENT TYPE

  • Bullet – Principal along with the accrued interest amount at the end of the tenure.
  • Interest Only – Only Interest payable on monthly basis and Principal payable at the end of tenure
  • Overdraft – Monthly repayment basis the utilization of the limit *
  • *In the process of implementation.

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/-.

BUREAU CHARGES

  • Consumer CIR: Rs. 24/- (for all loans except for priority sector loans sanctioned up to Rs. 50,000/-).

GST As applicable

Last Updated on: 22-06-2026 07:29:16 PM

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