Secured · Fastest Disbursal
Turn what's in your locker into funds by evening.
Pledge your gold jewellery or coins and borrow ₹10,000 to ₹50,00,000 at the lowest rates on our panel — most applicants walk out with funds the same day.
Loan Terms
The entry, plainly written.
| Loan amount | ₹10,000 – ₹50,00,000 |
|---|---|
| Interest rate | 9.5% – 18% p.a. |
| Loan-to-value | Up to 75% of gold value |
| Tenure | 3 – 36 months |
| Processing fee | 0.25% – 1% of loan amount |
| Disbursal time | Within a few hours |
Eligibility
Who typically qualifies.
- Any Indian resident aged 18 years or above
- Owns gold jewellery or coins of 18–24 karat purity
- No minimum income or employment proof required
- No credit score requirement for most lenders
- Valid PAN and Aadhaar for KYC
Repayment Options
Pick the rhythm that suits your cash flow.
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EMI Repayment
Pay a fixed monthly instalment covering principal and interest, just like a standard term loan.
%
Interest-Only, Bullet Principal
Pay only the interest each month, and repay the full principal in one go at the end of tenure.
Questions
Before you pledge.
Yes. Partner lenders store pledged gold in tamper-evident, insured bank-grade vaults, and it's returned to you the moment the loan is closed.
Most lenders accept 18–24 karat gold jewellery and coins. Stones and other embellishments are excluded from the valuation weight.
A short grace period applies with a late fee. If dues remain unpaid well beyond the grace period, the lender may auction the pledged gold as a last resort, as per RBI-mandated notice procedures.
Your gold, put to work today.
Get a free valuation estimate and see your eligible loan amount in minutes.