Loans
Gold Loan
Bank provides 6 schemes of gold loan with different rate of interest, period and loan amount. Its too fast and reliable to the customer to avail loan on the security of Gold Ornaments.
Benefits for Gold Loan
Quick Disbursal - Loan in hand within hours
Minimal Documentation - Only basic ID/address proof needed
Low Interest Rates - Compared to personal or unsecured loans
Flexible Repayment Options - EMIs, bullet repayment, or overdraft
No Income Proof Required - Loan given on gold value, not salary
Gold is 100% Insured & Safe - Stored in secure bank vaults
Loan Details:
| Feature | Details |
|---|---|
| Loan Amount | Based on gold value (max ₹X lakhs) |
| Tenure | 3 to 24 months (extendable) |
| Interest Rate | As low as X% p.a. |
| Processing Time | Within 1–2 hours |
| Security | Gold pledged, securely stored |
Required Documents:
Identity Proof (Aadhaar, Voter ID, PAN, etc.)
Address Proof (Utility bill, Aadhaar, etc.)
Passport-size photo
No income documents needed
Tips Before You Apply:
-
Only pledge gold that is 18K to 24K in purity
-
Understand loan-to-value (LTV) ratio — it affects how much you get
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Keep your loan tenure short if possible — to reduce interest
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Always take a loan receipt and valuation slip
Gold Loan Interest Calculator
Use our calculator to calculate the amount you need to pay per month towards your gold loan repayment, based on the Principal Loan Amount, Interest Rate and Loan Term
Amount
Length
% Interest
Principal
Interest
Total Payable