Urgent household need
A medical bill, a school fee or a family event that will not wait for a longer process.
Unlock the value of your gold
Gold Loan
Cash today against the gold you already own, valued openly at the counter.
Overview
A gold loan is the fastest formal credit available to most households. There is no long income appraisal, no guarantor and no waiting for a committee — your ornaments are weighed and tested in front of you, the eligible amount is stated, and disbursal usually follows the same day.
Valuation happens in your presence. We record the gross weight, the net weight after deducting stones and fastenings, and the purity of each item. Every ornament is then sealed in a tamper-evident packet in front of you and held in insured storage until you close the loan.
You are free to service only the interest during the tenure and repay the principal at closure, or to make part-payments whenever you have surplus. What we ask in return is that you keep the interest current — that is what keeps your ornaments safe and the loan cheap.
Valuation you can watch
Weight, deductions and purity recorded in front of you, with a copy of the valuation given to you.
Insured, sealed custody
Ornaments are sealed in tamper-evident packets and stored securely for the full tenure.
Fast disbursal
In most cases funds are released the same day, since there is no lengthy income appraisal.
Flexible servicing
Pay interest as it falls due and settle the principal at closure, or part-pay whenever you can.
Common uses
What members use this loan for
Short-term business cash
Bridge a stock purchase or a receivable gap without a full business loan appraisal.
Agricultural season
Meet input costs at sowing and repay after the harvest is sold.
Before you apply
Eligibility & documents
Final eligibility is always confirmed after appraisal, as per prevailing Government norms.
Who can apply
- Indian resident, generally 18 years or above
- Ownership of the gold ornaments being pledged
- Valid KYC documents in the pledger's own name
- Ornaments meeting our minimum purity standard
Documents to keep ready
- Aadhaar card
- PAN card, where applicable
- Recent passport size photograph
- Address proof
- The gold ornaments to be pledged
Plan your instalment
Estimate your EMI
The sliders start at a typical figure for this product. Move them to match your own plan.
₹10,000₹1 Cr
6%26%
6 months20 years
Monthly EMI
₹0
Principal₹0
Total interest₹0
Total payable₹0
Instalments0 months
Indicative only. Rates shown are illustrative and are not an offer. Your actual rate, fees and eligibility are confirmed at sanction as per Government norms.
Apply with these figures
Questions
Gold Loan — frequently asked
Is my gold safe with you?
Ornaments are sealed in your presence, stored in insured custody and released only to you against the loan documents and your identification. You receive a full itemised valuation record at disbursal.
Can I take back one item and leave the rest?
Partial release is possible once the outstanding has been reduced proportionately. Speak to the branch and we will work out the exact figure.
What if I cannot repay on the due date?
Contact us before the due date. Renewal or rescheduling is usually possible when the interest is current. Auction is a last resort and is preceded by written notice to you.
Do you accept gold coins or bars?
We lend against ornaments. Coins and bars are considered case by case and are subject to purity and weight limits.
Ready to apply for your gold loan?
Send us your details and a member of our team will call you back to confirm eligibility and the exact documents you need.