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✓ 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 0.77% per month on Bajaj Markets. These secured loans offer you flexibility and come with no end-use restrictions. Apply for the loan through a simple online application process and minimal documentation requirements. You can also benefit from doorstep gold loan services, that enable you to get the loan from the comfort of your home or office. Here are some important details of the indiagold Gold Loan that you should know:

Minimum Loan Amount

₹20,000

Maximum Loan Amount

No limit

Interest Rate

Starting from 0.77%  p.m. or 9.24% p.a.

Tenure

Up to 12 months

Loan-to-Value (LTV) Ratio

Up to 75%

*Disclaimer: The mentioned details are subject to change at the discretion of the lender.

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

2%* - Up to 6 months

0%* - Post 6 months

*Disclaimer: The mentioned rates are subject to change at the discretion of the lender.

Eligibility Criteria for Getting an indiagold Gold Loan

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

Indiagold Gold Loan Documents Required

Here are some documents you need to submit when applying for indiagold loans:

  • Address Proof: Any one of the following

    • Aadhaar card

    • Passport

    • Voter ID

    • Driving licence

    • Utility bills

    • Lease agreement

  • Identity Documents: Any one of the following

    • Aadhaar card

    • Passport

    • Driving licence

    • Voter ID

  • Form 60

  • Passport-size photographs

Indiagold Gold Loan 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.

How to Apply?

Follow these simple steps to apply for an indiagold Gold Loan on Bajaj Markets:

  • Click on ‘CHECK ELIGIBILITY’ on this page, or download the Bajaj Markets app for Android or iOS

  • Select ‘New Gold Loan

  • Fill in your personal details, such as your name, mobile number, and date of birth

  • Enter the loan amount you wish to request and your pincode

  • Choose your gender (male, female, or other) and provide your email address

  • Click on ‘SUBMIT

 

After this, a representative of indiagold will reach out to you for further proceedings. You can then schedule an appointment to get the value of your gold appraised.

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

FAQs On indiagold Gold Loan

Is indiagold Gold Loan a safe option?

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.

Does indiagold provide a balance transfer facility?

Yes, indiagold does offer a balance transfer facility.

What is a ‘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. The loan manager visits your home to process the loan application.

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