Unlock the Power of Your Gold with a
Gold Loan

In times of financial need, your gold can be more than just a cherished asset — it can be your key to quick, reliable credit. A Gold Loan allows you to leverage your gold jewelry or ornaments and convert them into instant funds without selling them. Whether it’s for education, healthcare, a wedding, or business expansion, a gold loan provides fast liquidity with minimal paperwork and low interest rates.

Gold Loans are a trusted borrowing solution that ensures you never have to compromise your long-term assets for short-term needs. Safe, secure, and efficient — a gold loan is a practical choice for urgent cash requirements.

Gold Loan Calculator

* If number of articles are greater than 6, please mention approximate carat and weight in the last row. Final value may differ slightly.

Eligible Loan Amount

₹0

What is a Gold Loan?

A Gold Loan is a secured loan where borrowers pledge their gold ornaments or coins as collateral in exchange for funds. The loan amount depends on the market value of the gold, and repayment terms are flexible based on the borrower’s financial situation. Once the loan is repaid, the gold is returned in full.

This form of credit is widely popular in both urban and rural areas due to its simplicity, quick processing, and accessibility, even for individuals without a strong credit history.

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Documents Required

  • Identity Proof (Aadhaar, Voter ID, PAN card, etc.)
  • Address Proof (Utility bills, Driving License, Passport, etc.)
  • Passport-sized photographs
  • Gold to be pledged (purity usually 18K to 24K)

Who Can Apply?

  • Individuals aged 18 years and above
  • Owners of gold jewelry or coins
  • Salaried employees, business owners, self-employed individuals, and homemakers
  • No requirement of credit score or income documentation
Ideal Use Cases for Gold Loans
  • Medical emergencies
  • Education fees
  • Wedding expenses
  • Business expansion
  • Paying off high-interest debts
  • Agricultural and seasonal expenses
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Do’s and Don’ts of Taking a Gold Loan
Features of the Gold Loan
Secure Storage

Secure Storage

Your gold is stored in
tamper-proof vaults with full insurance.

High Loan Value

High Loan Value


Loan-to-value ratio can go up to 75% based on gold purity.

Minimal Paperwork

Minimal Paperwork

Only basic KYC documents
required — no income proof needed.

 Instant Liquidity

Instant Liquidity

Get quick access to cash against your idle gold jewelry.

Multiple Repayment Options

Multiple Repayment Options

Repay with EMIs, bullet payments, or
interest-only methods.

 Instant Liquidity

Instant Liquidity

Get quick access to cash against your idle gold jewelry.

Multiple Repayment Options

Multiple Repayment Options

Repay with EMIs, bullet payments, or interest-only methods.
Visit the Branch or Apply Online

Visit the Branch or Apply Online

Visit the Branch or Apply Online

Bring your gold jewelry or submit an online request.
Gold Evaluation

Gold Evaluation

Gold Evaluation

Experts assess the purity and weight of your gold.
Loan Offer

Loan Offer

Loan Offer

Based on valuation, a loan amount is offered.
Document Submission

Document Submission

Document Submission

Provide basic ID and address proof.
Loan Disbursal

Loan Disbursal

Loan Disbursal

Receive funds instantly in cash or directly into your account.
Repayment & Gold Return

Repayment & Gold Return

Repayment & Gold Return

Repay as agreed, and collect your gold safely.
Visit the Branch or Apply Online

Visit the Branch or Apply Online

Visit the Branch or Apply Online

Bring your gold jewelry or submit an online request.
Gold Evaluation

Gold Evaluation

Gold Evaluation

Experts assess the purity and weight of your gold.
Loan Offer

Loan Offer

Loan Offer

Based on valuation, a loan amount is offered.
Document Submission

Document Submission

Document Submission

Provide basic ID and address proof.
Loan Disbursal

Loan Disbursal

Loan Disbursal

Receive funds instantly in cash or directly into your bank account.
Repayment & Gold Return

Repayment & Gold Return

Repayment & Gold Return

Repay as agreed, and collect your gold safely.
Visit the Branch or Apply Online

Visit the Branch or Apply Online

Visit the Branch or Apply Online

Bring your gold jewelry or submit an online request.
Gold Evaluation

Gold Evaluation

Gold Evaluation

Experts assess the purity and weight of your gold.
Loan Offer

Loan Offer

Loan Offer

Based on valuation, a loan amount is offered.
Document Submission

Document Submission

Document Submission

Provide basic ID and address proof.
Loan Disbursal

Loan Disbursal

Loan Disbursal

Receive funds instantly in cash or directly into your bank account.
Repayment & Gold Return

Repayment & Gold Return

Repayment & Gold Return

Repay as agreed, and collect your gold safely.