Gold loan Check Eligibility

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Gold loan Details

An Overview

Gold loan is a short to medium term loan to meet your immediate financial needs. Gold loans are a form of secured loan and available against your idle gold. The loan amount can be used for business, personal expenses, education etc

Interest Rates

Gold loan is available at interest rate of 10.5%

Repayment Period

The tenure for the loan starts from 6 months and can go upto 4 years.

Before Applying for Gold loan, Consider Following Points:

Here are some points you must never overlook while applying for gold loan.

  • Plan your monthly budget like your Net income After Tax and Monthly Expenditure and stick to it
  • Ensure that the decision about applying for Gold loan will bring real benefits inspite of being just a short term fix
  • Check your credit report through CIBIL (
  • Don’t go over board, Borrow only the gold loan amount that you really need
  • Know your APR(Annual Percentage Rate) i.e. How much the loan would cost in interest per year along with other Charges. For Example if you borrow 5 Lacs @11.49% with 2% as one time Processing fee for 5 years tenure Then your monthly EMI will be Rs.10994 along with .40% will be annual processing fee.(2% Processing charge will be distributed for 5 years)
  • Do a complete and detailed market survey of the various Gold loan options like their interest rates, the pre-payment charges levied, and any other terms and conditions.
  • In first go Look for zero processing fees and zero-penalty for pre-payment option. In case this is not available, then prefer borrowing with lowest cost. Sometimes additional costs add up and make a huge difference even after you are offered lower interest rates
  • Carefully look at the risk involved for situation when you are unable to repay the loan amount
  • You must always choose the right loan using our comparison tool
  • Always ask for customized gold loan quotes from at least three providers, as many banks offer personalized plans.

Documents Required for Gold loan

  • Easy One Page documentation
  • KYC- Identity proof, Proof of age
  • Last 3 months account statement
  • Address proof
  • Spot Sanction and disbursal

Terms and Conditions

By submitting to your application , you provide your consent to the following:-

1. representatives to contact you on the basis of information provided above if you are registered with The National Customer Preference Register(NCPR) and opted out of receiving all promotional calls and messages.

2. All personal and sensitive information will never be disclosed or share with any third party

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