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Gold Loan Schemes

Scheme Slab Periods Rate of Interest

*Please understand the amount of interest is only suggestive. it depends upon the purity and quality of gold

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GOLD LOAN schemes

  • Ideal for: Lower to Middle Income Group Customers seeking modest loan amount at best interest rate.
  • Limits: Avail Minimum Loan of Rs.1500 & Maximum Loan up to Rs. 1 Lac.
  • Scheme with Lowest Rate of Interest of 14% p.a.
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  • Special scheme exclusive to Women customers offered at our South India branches only.
  • Limits: Avail Minimum Loan of Rs.1500 & Maximum Loan up to Rs. 50,000.
  • Highly discounted rate of 12% p.a. to encourage women customers.
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  • Ideal for: Customers who want maximum loan value and wish to earn discounts by timely payment of monthly interest.
  • Limits: Avail Minimum Loan of Rs.1500 & Maximum Loan less than Rs. 3 Lacs.
  • Rate of interest is 23.5% p.a. with 2% rebate if 100% interest is paid monthly & 1% rebate if 100% interest is paid quarterly.
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  • Ideal for: Customers who want maximum loan value and wish to earn discounts by timely payment of monthly interest.
  • Limits: Minimum Loan of Rs. 3 Lacs and no maximum limit.
  • Rate of interest is 22.5% p.a. with 2% rebate if 100% interest is paid monthly & 1% rebate if 100% interest is paid quarterly.
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  • Ideal for: Customers wanting to benefit from both - A fairly good per gram rate & an attractive interest rate.
  • Limits: Minimum Loan of Rs. 1500 and Maximum Loan up to Rs. 5 Lacs.
  • Offered at all Branches across North, East & West India.
  • Attractive interest rate of only 18% p.a.
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  • Ideal for: Customers from Business community, traders, property dealers, builders, shop owners etc. who wish to avail loans for a longer period.
  • Limits: Minimum Loan of Rs. 3 Lacs and no maximum limit.
  • One of our best selling product with interest rate as low as 17% p.a. & Maximum Loan Value offered
  • Avail up to 50% discount on Services charges for Loan amount between Rs. 5-10 Lacs till 31st March 2016
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  • Specially designed scheme for Businessmen, traders, petrol pump owners, pharmacists, shopkeepers etc.
  • Limits: Minimum Loan of Rs. 2 Lacs and Maximum Loan of Rs. 50 Lacs.
  • Ideal as an “ADDITIONAL BANK LIMIT” to attend immediate funding requirements to grow your business.
  • Freedom to withdraw & repay money as and when required with FREE locker facility.
  • Shortly coming: Facility to use limit online on your sanctioned MOS scheme.
  • Up to 50% waiver on Processing Charges irrespective of loan amount – reduced from Rs. 1500 to Rs. 750 till 31st Mar’ 2016.
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  • Ideal for: Professionals & salaried class customers who prefer paying easy instalments (EMI payments) instead of lump sum or bullet payments.
  • Limits: Minimum Loan of Rs. 20,000 & no maximum limit.
  • Option to choose loan tenure from 6, 12, 18, 24, 30 and 36 months with no penalty on premature closures.
  • Attractive 21% rate of interest (diminishing balance) with Maximum Value Loan offered
  • 3 days grace period for late payment of EMI & freedom to pay one or more EMIs based on your convenience.
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why us

We are the largest gold financing company in India in terms of loan portfolio, according to the 2015 update to the IMaCS Research & Analytics Industry Reports, Gold Loans Market in India, 2015 ("IMaCS Industry Report, (2015 Update)"). We provide personal and business loans secured by gold jewellery, or Gold Loans, primarily to individuals who possess gold jewellery but could not access formal credit within a reasonable time, or to whom credit may not be available at all, to meet unanticipated or other short-term liquidity requirements. ...

  • 25000

    Employees

  • 4200+

    Branches spread over 21 states and 4 Union Territories

  • 6 million

    Customers in its portfolio

  • 129 year

    Existence

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