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Loan Against Gold Ornaments

Overview

A gold loan is a type of secured borrowing wherein you pledge your gold valuables against a certain sum you need as loan. It is a new and trending concept in the Indian loan sector. Many people in India own gold as it is considered a symbol of success and fortune. You can make the best of the locked-in value of your gold assets by pledging them to a bank or an NBFC against a loan with tempting interest rates.

Keeping your gold ornaments as collateral for a loan is known as 'Gold Loan'. It is the fastest way to get a loan as it demands minimal documentation and is a hassle-free process. Along with ornaments you can also keep gold coins as collateral. These gold loans are usually taken for short tenures as per the applicant's needs. The lenders design the repayment process and EMI's according to the borrower's needs.

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Eligibility

Gold Loan Eligibility Criteria

The borrowers do not need any hefty eligibility criteria to avail a gold loan. The minimum eligibility criteria are given below:

  • The Applicant should own gold.

  • The gold ornament to be kept as collateral should be above 18 karats.

  • The Applicant should be age between 21 to 70 year.

Documents

ID Proof

All the following documents as income proof:

  1. Passport size Photograph

  2. PAN Card

  3. Aadhaar Card

  4. Voter ID

  5. Passport

  6. Driving License

Address Proof

All the following documents as income proof:

  1. Aadhar Card

  2. Passport

  3. Rent Agreement

  4. Bank Statement

  5. Votar ID Card

  6. Driving Licence

  7. Telephone/Electricity/Water/Credit Card bill or Property tax.

Features

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Quick Loan Disbursal

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Minumul Documentation

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Quick Loan Process

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Part Payment Option

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Loan Amount Up to 20 Lakh

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Gold Security after Disbursal

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Customer Support

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