Your gold works, while it stays yours.
Pledge 18–24 karat gold and unlock up to 75% of its value — as much as ₹1 Crore — at rates from 7.99% p.a. Disbursal in about 30 minutes, and the ornaments sit insured in high-security vaults until they come home.
- Max loan
- ₹1 Crore
- Disbursal
- 30 min
- Rate
- from 7.99%
- LTV
- up to 75%
Four schemes, one pledge.
| Scheme | Rate | Tenure | Repayment |
|---|---|---|---|
| Regular EMI | 7.99%–14% | 6–36 mo | Monthly principal + interest |
| Bullet repayment | 9%–16% | 3–12 mo | Interest monthly, principal at maturity |
| Overdraft / flexi | 10%–18% | up to 12 mo | Interest only on what you use |
| Top-up loan | 8%–15% | 6–24 mo | Extra funds on an existing pledge |
Why this loan
Built to fund this dream properly.
Lowest rates on the platform
Secured by gold, so rates start at 7.99% — well below unsecured loans.
30-minute disbursal
Certified valuation and payout in about half an hour.
No income proof, no CIBIL bar
The gold is the security — homemakers, students, farmers and pensioners all qualify.
Up to 75% LTV
The RBI-permitted maximum loan against your gold's market value.
Insured custody
Ornaments stored in insured, high-security vaults and returned in original condition.
Flexible schemes
EMI, bullet, overdraft or top-up — match the loan to your cash flow.
Are you eligible? Most people are.
- ✓Indian resident aged 18–70 years
- ✓Gold ornaments of 18–24 karat purity
- ✓No minimum income requirement
- ✓No minimum credit score
- ✓Open to salaried, self-employed, homemakers, students, pensioners and farmers
- ✓Valid ID and address proof
Documents you'll upload once.
- ✓Aadhaar or PAN (ID proof)
- ✓Voter ID, passport or utility bill (address proof)
- ✓Two passport-size photographs
- ✓Signed application form
- ✓Cancelled cheque
- ✓The gold ornaments to be pledged
The honest math
Know your gold loan EMI before you commit.
FAQ
Gold Loan questions, answered.
How does a gold loan work?
You pledge gold ornaments, the lender values them, and you borrow up to 75% of that value. The gold returns to you on repayment.
What purity is accepted?
18–24 karat ornaments, plus bank-minted coins up to 50 grams. Bars, gold-plated items and foreign gold are not accepted.
Is my gold safe?
Yes — it's stored in insured, high-security vaults and returned in original condition when the loan closes.
What if I can't repay?
After due notices, the lender may auction the gold; any surplus over your dues is returned to you.
Does a low credit score matter?
Barely — the loan is fully secured, so minimal score requirements apply.
Can I prepay?
Yes, with minimal or zero foreclosure charges on most schemes.
Ready to fund this dream?
Apply once — 10+ RBI-registered lenders compete for your gold loan through ONDC.