Loan Amount
Up to ₹50 Lakhs
Interest Rate 
Starting at 11% p.a.
Loan Tenure
Up to 12 Months

Get a Gold Loan With Minimum Documents

Avail quick funds up to ₹50 Lakhs with our hassle-free Gold Loan. All you have to do is fulfil the basic Gold Loan eligibility criteria and submit the necessary documents required for a Gold Loan at the time of application.

With Poonawalla Fincorp’s Gold Loan, you can borrow funds at affordable interest rates and use the funds to meet any financial needs. All the while, you retain complete ownership of your gold, which is stored securely during the tenure of the loan.

Enhance our loans
Crafted to enhance your life
ELIGIBLE GOLD LOAN AMOUNT₹ 8,791
GOLD WEIGHT IN GRAMS25G
Total Payable Amount
₹45,00,000
Interest Payable
₹15,00,000

WEIGHT IN GRAMS

Amount

GOLD KARAT

18 k
18 k
22 k

Loan Tenure

6 Months
6 Months
12 Months

Interest Rate

11 %
11 %
28 %

Why Choose Poonawalla Fincorp 

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Up to 75% Loan-to-Value 
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Minimal  Paperwork 
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Quick  Approval  
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Flexible  Repayment Tenure 
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Well-distributed  Network 
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Competitive  Interest Rate 
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Zero  Hidden Charges 
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Complete Safety and Security of Gold Jewellery 

Applying for a Gold Loan with Poonawalla Fincorp is simple and hassle-free. You will need to submit the following essential documents at the time of the loan application: 

  • Identity proof: Aadhaar Card, PAN Card, Passport, Voter ID, or driving licence 

  • Address proof: Passport, utility bills, Aadhaar card, driving licence, or similar documents 

  • Passport-sized photographs: Recent photos that meet sizing requirements 

Poonawalla Fincorp’s Gold Loan application process is designed to be quick and straightforward. Follow these simple steps to get funds up to ₹50 Lakh against your gold:

  • Start the application: Click on ‘Apply Now’ on the Poonawalla Fincorp Gold Loan webpage or visit your nearest branch to begin the application process. 

  • Fill the application form: Fill in the required application details and submit the necessary KYC documents. 

  • Submit your gold as collateral: Provide your gold jewellery or ornaments to be pledged as collateral for the loan. 

  • Get your gold assessed: An authorised representative will assess the purity and weight of the pledged gold to determine its market value. 

  • Receive loan approval and disbursal: Based on the gold valuation and applicable loan-to-value (LTV) ratio, the final loan amount will be offered. Once approved and accepted, the funds will be disbursed directly to your bank account. 

Happy Customers, Happy Us

Frequently Asked Questions

The Gold Loan amount is determined based on the purity and weight of the pledged gold, along with the loan-to-value (LTV) ratio applicable as per RBI guidelines and the lender’s internal policy. 

No, a Gold Loan is primarily secured against gold collateral, so approval is mainly based on the value of the pledged gold. However, some lenders may still review the applicant’s credit profile. 

The documents required for a Gold Loan generally include basic KYC documents such as Aadhaar, PAN card, passport, voter ID, or driving licence to verify your identity and address.

Yes, many lenders allow part-prepayment or foreclosure of a Gold Loan before the end of the tenure, subject to applicable terms and charges. 

If you are unable to repay your Gold Loan, the lender may levy penalties for late or missed payments. If the loan remains unpaid for an extended period, the lender may take steps to recover the dues, which can include auctioning the pledged gold as per the loan agreement and applicable regulations. 

Yes, since eligibility for a Gold Loan primarily depends on the pledged gold itself, most applicant profiles, including self-employed individuals, can apply for a Gold Loan as long as they meet the lender’s eligibility criteria.  

Once the Gold Loan is fully repaid, the pledged gold is returned to the borrower after completing certain closure formalities.