Gold Loan
Your Partner in Success: Customized Business Loans Designed to Meet Your Unique Needs, Helping You Scale New Heights and Achieve Long-Term Stability.
Features of Business Loan
Instant Loan Disbursal
Receive funds within hours of applying, ensuring no delay in meeting your needs.
High Loan-to-Value Ratio
Get up to 75-90% of the gold’s market value as a loan.
Low Interest Rates
Enjoy highly competitive interest rates compared to other loans.
Flexible Repayment Options
Choose from bullet payments, EMI, or regular interest payment options.
Secure and Hassle-Free Process
Your gold is safely stored with 100% transparency during the loan tenure.
No Income Proof Required
No need to provide income documents or a high credit score.
Eligibility Criteria
Age Criteria
Applicants must be between 18 and 70 years old.
Gold Purity
Only gold ornaments with a purity of 18-24 karats are eligible.
Ownership of Gold
The gold must be owned by the applicant and free from any encumbrances.
Types of Home Loans
Bullet Repayment Gold Loan
Pay the principal and interest together at the end of the loan tenure.
EMI Gold Loan
Repay the loan in equated monthly installments (EMIs).
Overdraft Gold Loan
Withdraw funds as needed within the sanctioned limit, paying interest only on the amount used.
Additional Details
- No Prepayment Penalty: Pay off your loan early without any additional charges.
- Loan Renewal Facility: Easily renew the loan tenure by paying the accrued interest.
- High Security for Gold: Gold is stored securely in a bank locker or vault during the loan term.
- No Credit Score Check: A poor credit score does not impact gold loan eligibility.
- Immediate Liquidity: Turn idle gold into cash for emergencies or planned needs.
Documents Required
- KYC Documents
- Aadhar Card, Passport, or Voter ID
- Proof of Address (Utility Bill or Rental Agreement)
- Gold Ownership Proof
- Jewelry invoice (if available)