Here are a few factors
Fresh Loan- Minimum 20000
BT- Minimum 50000
Maximum 1 Crore
|Rate of Interest||0.77%-1.10% per month|
|LTV||75% of Gold Value|
|Applicant||Any Indian Citizen|
|Applicant Age||Minimum 18 year|
|Processing Fees||0.20% to 0.50%|
|Foreclosure Charges||NIL after 3 month|
India Gold Loan EMI Calculator
|Emi (monthly)||₹ NaN|
|Total Interest||₹ NaN|
|Loan Amount + Interest||₹ 0|
|Year||Total Principal |
( A )
|Total Interest |
( B )
( A + B)
|Total Payment||Loan Paid Till Date (%)|
|₹ NaN||₹ NaN||₹ NaN||₹ NaN||NaN %|
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Start with INDIA GOLD LOAN in few steps
If you are planning to apply for a gold loan at india gold loan there are certain details that you should be aware of, Let’s discuss
Apply for a Gold Loan
Applying for a Gold Loan is easy. All you need to do is Contact Us-0120-4026130 or 96432 21684 and book a free appointment with our loan manager at your convenience.
From Us to You, in Just 30 Mins
We want to make the process of getting a loan as easy for you as possible. Our loan manager will visit your home, complete the application process, and transfer the loan amount in 30 minutes.
Gold Loan Made Safer
Your Gold will be safely stored in our bank vaults. We take 100% responsibility for your asset the moment you hand over it to us. You can close your loan or pay your EMI directly from our app.
Enjoy Your Financial Freedom!
Once your application is approved based on your eligibility, you will receive your loan amount shortly.
About India Gold Loan
Have you ever wondered if you can use your gold to get a loan? It's possible with a Gold Loan from ReferLoan. We give loans against gold with a quick approval policy and minimum CIBIL score of 550. We offer simple, transparent finances with a quick turnaround time. Our Gold Loan offers a range of plans – choose the one that suits you, and we will disburse the loan money directly to you in no time. Let’s introduce you to some of the benefits that you could leverage from our Gold Loans:
1. KYC of Applicant
- Adhar Card
- PAN Card
- Passport Size Photo
Don’t Put Your Gold to Hold
Starting at just 0.77% per month*
Get money in 30 mins* at your home
Shift an active loan. Save ₹58,500* in interest!
Highest Per Gram Rate
Quick Release Guarantee
Lowest Interest Rate
No Processing Fee
Loan at Home Service
FREQUENTLY ASKED QUESTIONS
As the name implies, this is a loan secured by gold. It's a secured loan that permits debtors to renounce cash loans in favor of gold pledges. Instead of keeping their gold assets in lockers, users can use them to get instant cash. Customers typically use this short-term loan to cover expenses related to their children's schooling, marriage, and other family financial issues.
The maximum loan amount varies depending on the lender. Depending on the eligibility requirements of a specific bank or institution, it can range from Rs. 1,500 to Rs. 1 crore.
Reclaiming gold that has been deposited is fairly easy. You only need to schedule your loan repayment effectively to avoid defaulting. Your gold jewelry will be auctioned if the loan is not repaid within the allotted time.
You can choose any preferred method of money transmission to repay the loan, including cash, check, demand draft, or online fund transfers.
A gold loan may be partially repaid at any time. However, your gold assets will not be returned until the loan amount has been paid back.
It’s not necessary to be an existing bank customer to get the loan. However, we advise customers to open a savings bank or current account with the bank while applying for a gold loan. This will allow them to take advantage of all the bank's banking facilities and make it easier for them to repay the loan.
Banks store your gold with great care and keep it secure until the loan amount is paid back. They are aware of the sentimental significance associated with gold ornaments and take care of them while the gold is still in their possession.
Yes, Gold Loan can be taken even if applicant is having CIBIL score of 550 and above
Yes, the applicant whose CIBIL score is low can improve their CIBIL by taking Gold Loan