Get instant cash against your gold jewellery and ornaments at the best loan-to-value ratio — with doorstep service, transparent valuation, and safe custody of your precious assets.
Gold assessed and loan disbursed in as little as 30 minutes with same-day credit to your account.
Up to 75% loan-to-value on your gold as per RBI guidelines. Maximum loan amount sanctioned against your gold's current market value.
Your gold jewellery is stored in insured high-security vaults under 24×7 surveillance. Fully covered against loss or theft.
Only identity proof and address proof required. No income documents, no CIBIL check needed for gold loan.
Multiple repayment options — bullet payment, EMI, or interest-only monthly payments with principal at maturity.
Gold evaluated by certified in-house valuers using BIS-certified assaying instruments. No arbitrary deductions.
We accept BIS hallmarked gold jewellery & ornaments from 18 Karat to 24 Karat purity. Loan-to-Value as per RBI Master Circular.
Pure 24K gold bars, coins & ornaments
LTV up to 75%Standard hallmarked jewellery (916)
LTV up to 75%Mixed alloy ornaments & jewellery
LTV up to 70%Diamond-studded & designer jewellery (gold value only)
LTV up to 65%RBI Note: Loan-to-Value (LTV) ratio for gold loans shall not exceed 75% of the market value of gold as per RBI circular DBOD.No.BP.BC.99/21.04.048/2012-13. The bank cannot grant loans against gold coins weighing more than 50 grams per customer. LTV calculation is done based on the closing price of 22-carat gold as declared by the India Bullion and Jewellers Association (IBJA).
| Scheme | Loan Amount | Tenure | Interest Rate (p.a.) | Repayment Mode |
|---|---|---|---|---|
| Regular Gold Loan | ₹10,000 – ₹25 Lakh | 3 – 12 Months | 8.50% – 10.00% | EMI / Bullet |
| Overdraft Gold Loan | ₹1 Lakh – ₹1 Crore | 12 Months (Renewable) | 9.50% – 11.00% | OD Facility |
| Agriculture Gold Loan | ₹10,000 – ₹10 Lakh | 12 Months | 7.00% – 8.50% | Bullet |
| Business Gold Loan | ₹5 Lakh – ₹1 Crore | 3 – 36 Months | 9.00% – 12.00% | EMI / Bullet |
| Senior Citizen Special | ₹10,000 – ₹15 Lakh | 3 – 12 Months | 8.50% – 9.00% | Special Rate |
Calculate the loan amount you can avail against your gold
Visit the nearest branch with your gold ornaments and identity documents.
Certified valuer assesses purity and weight using precision instruments transparently.
Loan amount calculated at up to 75% of market value; offer presented to customer.
Submit KYC documents and sign the pledge/loan agreement form.
Loan credited to account or disbursed in cash within 30 minutes.
Regulatory Disclosure: Gold Loans are governed by RBI Master Direction – Loans & Advances (Non-Banking Financial Companies & Banks) and the RBI Gold Monetisation Scheme guidelines. Maximum LTV of 75% is applicable as per RBI Master Circular DBOD.No.BP.BC.99/21.04.048. The bank will not grant loans against the security of gold bullion/bars except those sold by the bank. All charges, terms and conditions are subject to change. Borrowers must obtain a copy of the loan agreement and pledge document. For grievances, please contact the Nodal Grievance Officer at the branch or write to www.rbi.org.in/CMS.
Our banking experts are ready to help you choose the right scheme.
