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Get Gold Loan

Gold loan is a type of secured loan i.e. the loan is provided against collateral in the form of different types of gold jewellery or gold coins. You have to deposit your gold with the lender i.e. NBFC or bank and you get the deposited gold ornaments or coins back only after you have paid back the loan amount in full including interest.

Gold loan business, being secure, features short processing times, a low interest rate and short to medium term tenure. You can avail several gold loan schemes from banks and other financial institutions. The amount of loan against gold you will get depends upon the value of the gold you surrender for the loan.The value and purity of the gold will be checked before the bank or NBFC takes possession of the gold. This loan is a good option, if you are looking for instant liquidity. Also, since the approval of this loan does not depend upon your credit history or income, you need not worry about your adversely impacting your credit score nor scramble for income proofs for loan approval.

Types of Gold Loans:
  • Agricultural Gold Loans: Agricultural Gold Loans are loans granted to farmers and agriculturists against gold ornaments, to fund their crop production and investments in agriculture and allied activities.
  • Non Agricultural Gold Loans:All loans extended to borrowers other than farmers and agriculturists are called non-agricultural Gold loans.

Loan Simple Process

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Simple procedure

Less Document

No Security or Guarantors


  • No EMIs. Borrower has to pay interest till they repay the loan, after which, the borrower will have to repay the principal.
  • A borrower can avail a Gold Loan for a maximum of up to 75% of the value of gold.
  • NBFC charges a higher interest rate on Gold Loan than a bank. It could be around 22-24% a year.
  • Interest rate is payable only on amount of the overdraft that you use.
  • Overdraft limit varies depending on the market rate of gold.
  • Simple documentation and faster processing compared to banks.
  • There are no processing charges and pre-payment penalty.
  • To avail a gold loan from an NBFC, a borrower can pledge only gold jewelry and not gold bars or coins.
  • The borrower should be in the age group of 18-65 years.
  • Maximum age of applicant at loan application should not be more than 65 years.
  • The purity of gold ornaments should be 18 carats and above.
  • The Gold Jewelry should be owned by the borrower or any of the family members.
  • Minimum: 21 Years
  • Maximum: 70 Years