Instant Gold Loan Quick Disbursal, Hassle-Free & Secure
A Gold Loan is a secured loan where you pledge your gold jewellery to access quick funds without selling your assets. The loan is ideal for individuals who are looking to meet an immediate cash need for emergencies, education, or business growth. Known as one of the fastest loan options, it offers instant approval, minimal paperwork, and competitive interest rates. With Poonawalla Fincorp, you can apply online and enjoy a hassle-free experience. Turn your gold into financial freedom today. Apply now for quick and convenient funding!
Gold Loan Features and Benefits
Up to 75% Loan-to-value
Competitive Interest Rate
Minimal Paperwork
Quick Approval
Flexible Repayment Tenure
Zero Hidden Charges
Well-distributed Network
Complete Safety & security of your Gold Jewelry
Gold Loan eligibility is primarily based on the value of the gold collateral, but other than that, you also must meet our simple eligibility criteria to qualify:
- Age: Between 21 and 65 years.
- Citizenship: Indian.
- Gold Purity: 18 to 22 Karat.
To apply for a Gold Loan, you must provide some essential documents, such as:
- KYC Documents
Get the loan at attractive interest rates and minimal charges:
Default Charges: Penalty will be charged for nonpayment of EMI amount and for non-compliance of material terms and conditions, as more particularly specified at Default Charges.pdf
*T&C Apply
Follow these step-by-step application process to apply for a Gold Loan successfully:
- Initiate the Application: Visit the official Poonawalla Fincorp website and on the Gold Loan page, click on the "Apply Now" button, or visit your nearest Poonawalla Fincorp branch.
- Fill the Form and Submit Documents: Complete the application form online or in-branch. You will need to provide basic KYC documents, such as identity and address proof.
- Submit Gold Collateral: You must submit your gold jewellery or ornaments as security.
- Gold Assessment: Experts at the branch will assess the purity and weight of your gold to determine its market value.
- Receive Loan Offer and Funds: Based on the gold's valuation and the Loan-to-Value (LTV) ratio (typically up to 75% as per RBI guidelines), you will receive a loan offer. Once you accept the terms and the application is approved, the funds will be disbursed quickly to your bank account.
A Gold Loan offers you the flexibility to use the funds to meet all your needs, be it personal or business. Common ways to use a Gold Loan include:
- Medical emergencies
- Education expenses
- Wedding cost
- Home renovation & repair
- Business expansion
- Agriculture and farming needs
Here are Gold Loan repayment options offered by Poonawalla Fincorp:
• Interest Servicing: Monthly, Bimonthly, Quarterly, Half Yearly, Yearly
• Principal Repayment: Bullet, at the time of tenure expiry or closure of the loan
Here are a few things you must consider before taking a Gold Loan:
• Compare Interest Rates: Check rates across lenders to ensure affordability.
• Choose the Right Tenure: Select a repayment period that suits your financial capacity.
• Verify Purity & Weight of Gold: Higher purity and accurate weight affect loan eligibility and value.
• Repayment Flexibility: Look for options like part-payment or foreclosure without heavy penalties.
• Safety & Insurance: Ensure your gold is securely stored and insured by the lender.
• Check Hidden Charges: Watch out for processing fees, valuation charges, or penalties.
• Eligibility & Documents: Keep ID proof, address proof, and gold details ready for smooth approval.
Happy Customers, Happy Us
I opted for a Loan Against Property balance transfer with Poonawalla Fincorp, and the experience exceeded my expectations. The application process was completely digital, quick, and required minimal paperwork. Getting a significantly lower interest rate helped me reinvest in my business. With better financial flexibility, I was able to scale operations efficiently, leading to a 30% increase in business turnover. Poonawalla Fincorp made the entire journey stress-free, and I highly recommend their services to any business owner looking for smart financial solutions.
Poonawalla Fincorp’s Pre-owned Car Loan made the entire financing process effortless. The loan approval was quick, and the minimal documentation made it even more convenient. Within just a couple of days, the funds were disbursed, allowing me to purchase a well-maintained pre-owned vehicle without any hassle. The repayment options were flexible, and the entire experience was seamless. Thanks to Poonawalla Fincorp, I could get my car without any financial strain. Highly recommended!
Securing a loan to purchase a commercial property with rental income was crucial for my business. Having previously worked with Poonawalla Fincorp, I was confident in their services. The process was incredibly smooth and transparent. The quick disbursement and excellent post-sales support made the entire experience stress-free. Thanks to Poonawalla Fincorp, I now own a prime commercial property in Mumbai, which has significantly boosted my business. Their quick turnaround time and excellent post-sales support made all the difference. I wholeheartedly recommend them to anyone in need.
I had a great experience with Poonawalla Fincorp’s Pre-owned Car Loan. The offered loan amount was as per my expectations, and the entire process was smooth and hassle-free. The documentation was minimal, and the loan was disbursed in just two days! What stood out was the flexibility—repayment was easy, and the EMI structure was well-planned. The loan approval process was straightforward, making it convenient to get the car I wanted without any delays. Overall, the service was excellent, and I highly recommend Poonawalla Fincorp to anyone looking for an easy and quick loan process!
A friend in need, is a friend indeed. Poonawalla fincorp has been like one of those friends for me, who has supported me in my journey. With no hidden charges and no prepayment charges, the company has provided me with the adequate funds I needed for me professional practice. From the loan application process to the disbursal of funds, I did not face any problems. My experience was hassle-free and smooth. Not just me, all my fellow professionals and friends have had a wonderful experience with Poonawalla Fincorp’s Professional Loan.
I am practicing Chartered Accountant (CA) based out of Hubli. There were working capital issues that i was facing like upgrading my firm’s overall infrastructure, hiring well-qualified staff and digitization. Poonawalla fincorp hab been of great support when it comes to funding these requirements. I’ve got one of the best interest rates available in the market, my documentation process was fast & hassle-free. and the digital application process made it very simple to get a Professional Loan as a CA. I recommend to CAs to consider Poonawalla Fincorp for their working capital or any other funding requirements.
I run a chain of farmacy stores with 5 branches in pune. With the growing polpularity of home delivery, my customers were expecting the same from me as well. However, the extra capital requirement made it difficulf for me to hire delivery persons. With Poonawalla fincorp’s Business loan, I am now able to compete with online pharmacy retailers, manage working capital and upgrade my system. My customers have grown 50-60%. The loan applicatipn process is digital, simple and speedy. I was delighted to get my loan amount disbursed quickly, allowing me to upgrade my operationg seamlessly.
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Frequently Asked Questions
A Gold Loan is a secured loan where you pledge your gold ornaments or jewelry as collateral to get funds for personal or business needs. The loan amount is based on the value of your gold.
Any Indian citizen, including salaried individuals, self-employed professionals, Farmers and traders and business owners, can apply for a Gold Loan. No income proof or credit score is required, making it an accessible financing option.
The tenure of Gold Loan is up to 12 months. Borrowers have the option to pay only interest component periodically and avail the rebate facility upon timely repayment. The principal amount can be repaid at the end of the tenure, providing financial flexibility.
Any Indian resident aged 21 to 65 years is eligible. The purity of gold ornaments must be 18k to 22k.
Yes, you can avail a Gold Loan against gold jewellery that meets purity standards.
Typically, you need identity proof, address proof, and sometimes income proof for verification.
Apply when you need quick funds for personal or business needs without selling your gold.
If unpaid, the lender has the right to auction the pledged gold to recover the outstanding amount.
Repayment can be done through EMIs, bullet payments, or interest-only options as per the lender’s terms.
Yes, most lenders allow foreclosure or prepayment, sometimes with minimal charges.
Generally, gold ornaments and jewellery of 18–22 karat purity are accepted.
Approval and disbursal usually happen within a short period after verification.
Rates vary by lender, but at Poonawalla Fincorp, you can avail of a Gold Loan starting at 11% p.a. Also note that a processing fee may apply.
As per RBI norms, the LTV ratio is up to 75% of the gold’s market value.
The amount depends on the gold’s weight, purity, and current market price.
You pledge gold ornaments as collateral, and the lender provides funds based on their value.
The maximum tenure offered by Poonawalla Fincorp for a Gold Loan is 12 months (1 year).
It’s based on the weight, purity of gold, and prevailing market price, subject to LTV norms.
No, a guarantor is not required since the loan is secured against gold.
They are safely stored by the lender and returned once the loan is fully repaid.