Gold Loan

Gold Loan – Apply Against Gold Jewellery

Explore gold-backed loan options offered by lending partners based on gold purity, evaluation, and lender policies. Loan-to-value ratio is determined as per applicable RBI guidelines.

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How Gold Loan Works

1

Apply Online

Submit your basic details through the online form. Lending partners may contact you for verification based on your information.

2

Gold Evaluation

Gold purity and weight are assessed by the lending partner through a standard evaluation process as per applicable guidelines.

3

Loan Processing

After documentation and verification, the lending partner processes the loan according to their internal policies and timelines.

Eligibility & Documents Required

Eligibility

  • Indian Resident
  • Age between 18 and 65 years
  • Gold jewellery purity from 18K to 24K
  • Valid identity proof as required by the lending partner

Documents Required

  • Aadhaar Card / Voter ID
  • PAN Card (if required by the lender)
  • Address Proof
  • Passport-size Photo

Gold Loan Calculator – Estimate Your Loan Amount

Estimated Loan

(This is a rough estimate. Final value depends on actual evaluation.)

Tentative Gold Rate (Delhi)

Updated automatically every month.

24K Gold /g

₹12,719

+ ₹191 ▲

22K Gold /g

₹11,660

+ ₹175 ▲

20K Gold /g

₹10,593

+ ₹159 ▲

18K Gold /g

₹9,543

+ ₹143 ▲
gold loan online evaluation of gold jewellery

Frequently Asked Questions

1. What is a gold loan and how does it work?
A gold loan is a secured loan in which you pledge gold jewellery as collateral. The lending partner evaluates the purity and weight of the gold and offers a loan amount based on internal policies and applicable guidelines.
2. How much loan can I get against my gold?
The loan amount depends on gold purity, weight, and the lender’s loan-to-value (LTV) policy. The final loan value is shared after evaluation.
3. What documents are needed for a gold loan?
Basic documents include identity proof, address proof, and a passport-size photograph. Additional documents may be requested as per the lender’s process.
4. How long does gold loan approval take?
Timelines vary among lenders. After valuation and verifying documents, the lending partner proceeds according to their internal policies.
5. Is my gold safe during the loan period?
Yes. Pledged gold is securely stored by the lending partner throughout the loan tenure and returned after full repayment.
6. What repayment options are available for a gold loan?
Repayment plans differ by lender and may include interest-only payments, bullet repayment, or EMI-based options, depending on the lender’s terms.
7. Do I need a high credit score to get a gold loan?
Gold loans are secured loans, so credit score requirements are generally flexible. Lenders primarily evaluate the gold you pledge.
8. What type of gold can I pledge?
Most lenders accept gold jewellery between 18K and 24K purity. Gold bars or coins may be accepted depending on the lender’s policy.
9. Can I pre-close or part-pay my gold loan?
Yes. Many lenders allow part-payment or early closure. Applicable charges, if any, depend on the lender’s policy.
10. What happens if I cannot repay the gold loan on time?
If repayment delays occur, lenders may offer extension options based on their policies. In prolonged non-payment cases, lenders follow regulatory guidelines regarding pledged gold.

Gold loans are processed based on the evaluation of the gold jewellery you provide. Lending institutions follow internal guidelines and applicable regulatory norms to determine the loan amount and ensure a transparent and secure customer experience.

For more information, you may refer to the Reserve Bank of India (RBI) .

Disclaimer: CreditLink is not a lender and does not offer gold loans directly. We operate as a digital intermediary that connects applicants with registered banks, NBFCs, and lending institutions. All loan approvals, eligibility checks, interest rates, loan-to-value (LTV), and processing timelines are determined solely by the respective lender based on their internal policies and applicable regulatory guidelines. Users are advised to verify all terms and conditions directly with the lender before proceeding with any loan application.

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