✓ No Limit on Loan Amounts ✓ Interest Rate Starting @0.74% p.m. ✓ Minimal Documentation Check Eligibility

indiagold offers gold loan services at affordable rates starting from 9.24% p.a. on Bajaj Markets. These secured loans offer you flexibility and come with no end-use restrictions. The tenure of the loan can extend up to 1 year. 

Interest Rates and Charges

Here are the interest rates and charges applicable on loans against gold from indiagold:

Interest Rate

9.24% p.a. onwards

Processing Fees

Nil

Foreclosure Charges

Nil

Disclaimer: The above-mentioned rates and charges are subject to change at the discretion of the lender.

Features and Benefits

The following are some of the features and benefits of indiagold Gold Loan:

Ample Funding

Get loan amounts starting from ₹20,000 by pledging your gold as collateral

Attractive Rates

indiagold Gold Loan interest rates are among the lowest in the industry, starting from 9.24% p.a

High LTV

You can get a high loan-to-value (LTV) of up to 75% against the gold you pledge

No Additional Charges

These loans have no associated processing and foreclosure charges

Instant Disbursal

Along with an easy gold loan process, Indiagold also offers an instant disbursal facility

Flexible Repayment Tenure

With a timeline of 1 year, you can repay your loan based on your convenience.

Eligibility Criteria and Documents Required

Here are some of the eligibility requirements you need to fulfil:

  • You must be between 21 and 70 years of age

  • The gold you wish to pledge must have a purity level between 18K and 24K

  • You must be a self-employed or a salaried individual 

 

The following are the documents you need when applying for indiagold loans:

  • Address Proof: Any one of the following

    1. Aadhaar card

    2. Passport 

    3. Voter ID

    4. Driving licence

    5. Utility bills

    6. Lease agreement

  • Identity Documents: Any one of the following
    1. Aadhaar card

    2. Passport

    3. Driving licence

    4. Voter ID

  • Form 60

  • Passport-size photographs

How to Apply?

Here are the steps you need to follow to apply for a gold loan online on Bajaj Markets:

  • Click on the ‘APPLY NOW’ tab at the top of the page

  • Enter your name, mobile number, date of birth, required loan amount, pincode, etc

  • Once you have filled in the details, a loan representative will get in touch with you for further processing

Gold loan

FAQs

Is indiagold safe?

Yes, it is 100% safe. The gold is stored in a safe and secure vault till the maturity period. Additionally, your pledged gold is also protected with insurance (free of cost) and easily withdrawable at any time.

What kinds of gold are accepted?

indiagold accepts any kind of gold jewellery with a purity level between 18K and 22K. Note that they do not accept gold coins, bars, and biscuits.

What are the documents required to apply for an indiagold loan?

For a fresh loan, all you need is a PAN card and an Aadhaar card. For balance transfer, you need to submit a PAN card, Aadhaar card, and additional Income Proof (Bank statement/ITR/GST certificate).

Does indiagold provide a balance transfer facility?

Yes, it provides a balance transfer facility.

What is ‘Gold Loan At Home Service’?

With ‘Gold Loan At Home Service’, you need not visit the branch to apply for the loan. After filling in the basic details, you get to choose whether your application will be processed either from your home or the nearest branch. Our loan manager visits your home to process the loan application.

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