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A gold loan is pretty much like borrowing money using your gold as a backup. You know those gold necklaces, coins, or bangles you might have stashed away? Well, instead of just letting them sit there, you can take them to a bank or a non-banking financial company (NBFC) and get some cash in return. It’s like giving your gold to the lender, and they give you money based on how much your gold is worth. Once you pay back the loan with interest, you get your gold back safe and sound. It’s super handy because it offers quick access to funds without selling your precious gold. And the best part? The application process usually doesn’t take forever, and you don’t need a perfect credit score to get approved. So, it’s really convenient if you’re in a pinch and need some financial help without the hassle of dealing with massive paperwork.
Gold Loan requirements for day-to-day working capital requirement of:
Additionally, requirements for:
When you apply for a gold loan from a bank or NBFC, you can use your gold jewellery or decorations as security. Based on the market value of the gold, the loan amount is determined.
Anyone over eighteen who owns gold jewellery or ornaments is eligible to apply for a gold loan. Certain lenders could demand proof of address or income.
Lenders usually need:
1. Proof of identity (passport, PAN card, Aadhaar card, etc.)
2. Proof of address (utility bill, voter ID, Aadhaar card, etc.) Photographs the size of a passport
The purity of the gold and the Loan-to-Value (LTV) ratio—which, according to RBI regulations, is normally up to 75% of the gold’s market value -determine how much is loaned.
Depending on the lender and loan size, interest rates typically range from 7% to 24% annually.
The typical length of a gold loan is three months to three years. Flexible repayment plans are offered by certain lenders.
The lender may sell your gold at auction to recoup the loan balance if you don’t pay back the loan within the predetermined time frame. But before they do so, they typically remind people.
Yes, as gold loans are secured loans, they do not need a CIBIL score. Nonetheless, obtaining better interest rates could be facilitated by having a solid credit history.
Indeed, pledged gold is kept safe from theft and damage in insured vaults at banks and NBFCs.
Yes, the majority of lenders do not charge for early repayment; however, some might levy a nominal foreclosure fee.
Gold Loans are the smartest way to unlock the hidden value of your gold.
Whether it’s for business needs, personal expenses, or emergencies, a gold loan helps you:
✅ Get instant cash against your gold with minimal documentation
✅ Enjoy low interest rates and flexible repayment options
✅ Keep your gold safe with 100% security assurance
✅ Avoid selling your gold during urgent needs
✅ Experience quick approvals and disbursals
Click here to discover how we make Gold Loans easy, fast, and fully secure.
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