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Gold Loan

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Gold Loan

A secured loan, where gold jewellery is provided as collateral, is a gold loan. The loan amount that will be provided will depend on the value of the gold. Gold jewellery will need to be given to the lender when you avail the loan and will be returned only once the entire amount is repaid.

Several banks and Non-Banking Financial Companies (NBFCs) offer gold loans at attractive interest rates. Since collateral is being provided, loans can be availed at low interest rates.

Interest Rates

Offers its customers a wide portfolio of gold loans with different interest rates. Any kind of loan i composed of two components: principal and interest. Similarly, a gold loan is considered fully repaid only when both the components have been paid off, ie, the principal and the gold loan interest. Thus, while availing of a gold loan too, you must opt for a lender that offers gold loans with the lowest interest rate.

Eligibility Criteria ForGold Loan

If you wish to avail a loan against your gold jewellery or ornaments, you should ensure that you meet thPenal charge of 2% p.m. applicable eligibility criteria specified by the lender. Keep in mind that the eligibility criteria will vary from lender to lender. Thus, it is advisable to check the eligibility criteria that is specified on the lender's website before applying for a gold loan. Listed below are the generalised eligibility criteria:

  • Age of the applicant 18 years and above
  • Security to be pledged Gold ornaments or articles
  • Total carats of gold that can be pledged 18 carats or above

Documents Required For Gold Loan

  • Duly-filled application form
  • Passport sized photographs
  • Identity proof
  • Address Proof
  • Signature Proof
  • Form 60 or PAN card
  • Proof of age
  • Post-loan disbursement documents, if any.

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