Gold Loan
Instant Cash Against Your Gold Ornaments With Ease
Unlock immediate liquidity against your gold jewelry or coins. Benefit from competitive interest rates, transparent valuation, high LTV, and safe bank vault storage.
%*
Starting Interest Rate
Mos
Max Tenure
₹Cr+
Max Loan Amount
Hrs
Approval Time
DSA Advantages
Loan Features & Benefits
Work with us to access customized features from India's leading banks under one roof.
Requirements
Who Can Apply?
As a DSA, we evaluate profiles across multiple banks. Even if one lender rejects you, we can align your profile to other matching institutions.
Indian resident aged 18–75 years
Gold ornaments or coins with purity between 18k and 24k
Valid identity proof (PAN card & Aadhaar card)
Active bank account for direct loan disbursal
Proof of address (Aadhaar, Voter ID, or Utility bill)
No income proof or high credit score required
DSA Journey
Our Simple Process
1
Apply & Valuation
Bring your gold ornaments for evaluation or consult our relationship manager.
2
Purity Verification
Certified valuers test purity and calculate the maximum eligible loan amount.
3
Submit KYC
Provide basic identity and address proof for quick verification.
4
Instant Disbursal
Loan amount is credited directly to your bank account while gold is safely vaulted.
FAQ
Frequently Asked Questions
The loan amount depends on the purity (karat) and net weight of the gold ornaments, calculated against the daily market gold rate up to RBI's LTV cap (75%).
Yes, your gold is sealed in tamper-proof packaging in your presence and deposited into high-security bank vaults with full insurance coverage.
No, since gold loans are fully secured assets, complex income proof or high CIBIL scores are generally not required for approval.
Upon complete loan repayment (principal + interest), your sealed gold packet is handed back to you intact in the exact same condition.
You can pay monthly EMIs, pay interest monthly and principal at maturity, or select a bullet repayment option based on the lender's terms.