Gold loan in Ahmedabad – Apply for Easy & Secure Gold Loans
In a city like Ahmedabad, where life moves fast and plans change overnight, having quick access to funds can make a big difference. That’s where a gold loan comes in handy. A gold loan in Ahmedabad lets you borrow money against your jewellery without selling it. The steps are simple — basic paperwork, quick approval, and your gold stays completely secure. It’s a dependable way to meet expenses, big or small, while keeping your assets safe.
Estimate Your Gold Loan Eligibility (Rates Effective 13 October 2025)
*The market value of your gold is calculated by taking the 30-day average gold rate of 22-carat gold | The purity of the gold is assumed to be 22 carats.*
*You can avail a maximum loan of up to 75% of the market value of your gold, depending on the quality of the gold.*
Gold Loan Interest Rate in Ahmedabad
The gold loan interest rate in Ahmedabad isn’t fixed for everyone. It depends on the purity of the gold you pledge, how much you borrow and the time you choose to repay it. Usually, the rates begin at 11.88% per annum and may go up to 27% per annum. The idea is to give borrowers flexible choices so repayment feels comfortable. Before you apply, every charge and rate is explained clearly so there’s no confusion later.
| Loan Amount: | ₹3,000 – No Upper Limit |
|---|---|
| Interest Rate: | 11.88% – 27% p.a |
| Processing Charges: | Nil – 2% of disbursal |
| Documentation Fees: | Nil |
| Loan Tenure: | 12 or 24 months |
Features and Benefits of Gold Loan In Ahmedabad
The Gold Loan in Ahmedabad offered by IIFL has several attractive features and benefits. It is almost like an instant loan in Ahmedabad with turnaround times of 30 minutes if the paperwork is in order and the gold is ready to be deposited with full safety and security. We have gold loan at home services available at Ahmedabad to give better comfort to our customers without any hassle.
How To Apply For A Gold Loan in Ahmedabad
You can apply for a gold loan in Ahmedabad either online or by visiting your nearby branch. Just share a few basic KYC details, let the team evaluate your gold and complete the quick verification. Once that’s done, approval happens within hours and the money is transferred soon after. Most borrowers find the whole experience smooth and surprisingly fast.
How To Apply For Gold Loan: Detailed Guide
Apply for a Gold Loan Online via Website: Step-by-Step Guide
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Fill the Online Form : Submit your details online and book an appointment at your preferred branch or your doorstep.
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Visit the Branch : Walk in with the gold you want to pledge.
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Submit Documents : Provide your ID and address proof for verification.
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Get Quick Approval : Gold is evaluated on the spot and the loan is disbursed quickly.
Loan Tenure and Repayment Options
Borrowers can choose between 12-month or 24-month repayment plans. You can pay through EMIs or take the overdraft option. If you prefer closing the loan early, you can do that anytime without paying extra charges. This flexibility keeps repayment stress-free and manageable.
Gold Loan Eligibility & Documentation
Getting a Gold Loan from IIFL Finance is simple and hassle-free. Any Indian resident aged 18 years or above with gold jewellery can apply. The process requires only basic KYC documents such as Aadhaar and PAN, no income proof or credit score needed, ensuring quick approval and easy disbursal.
Gold Loan Process and Required Documents Explained
Gold Loan Eligibility: Who Can Apply
Explore the eligibility criteria to apply for a Gold Loan with IIFL Finance.
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You must be between 18 and 70 years of age at the time of loan disbursement.
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Applicants can be salaried, no salaried, self-employed, or non-salaried individuals.
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You must own the gold you are pledging.
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Only gold jewellery is eligible as collateral; gold coins and bars are not accepted for pledge.
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Gold purity must be between 18 and 22 karats.
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Valid KYC documents include the Aadhaar card and PAN card.
Documents Required for Gold Loan
A gold loan borrower must submit one of the following document as part of the Reserve Bank of India’s “Know Your Customer” (KYC) norms:
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Aadhaar Card
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Valid Passport
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PAN Card
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Valid Driving Licence
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Voter ID Card
Why Choose IIFL Gold Loan in Ahmedabad
IFL Finance is one of the leading gold loan provider in Ahmedabad. If you are looking for the best gold loan in Ahmedabad, here are some of the reasons for you to choose the IIFL gold loan.
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The loan amount is offered at the highest possible value of the pledged gold by the customer.
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The pledged gold is kept highly safe in secure lockers with IIFL Finance and is backed by an insurance policy.
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Customised gold loan schemes as per the customer to ensure raise funds to meet all of your capital requirement needs at best interest rates.
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Flexible EMIs, lower gold loan interest rates and repayment options to ensure the loan does not create a financial burden on the borrower.
Why is Gold Loan the Most Feasible Borrowing Mode in Ahmedabad?
The loan against gold is the most feasible borrowing mode in Ahmedabad for anyone in need of an urgent loan and who has gold to offer as collateral. Being a secured loan, the interest rates are far lower than unsecured loans like personal loans. The loan to value ratio offered on our gold loan in Ahmedabad is set as per RBI standards and is also one of the highest. Not only will your gold be stored under high security vaults, it will also be insured to further protect you and your valuables. Before applying you can check gold rate in Ahmedabad today. Most importantly there are no pre-conditions regarding usage.
Gold Loan in Ahmedabad FAQs
No, only Indian residents are eligible to apply for a gold loan in Ahmedabad.
No, all costs, including processing fees and interest, are explained clearly before loan approval.
Yes, you can apply online and it is a very easy process with minimal documentation.
As per RBI rules, the LTV ratio can go up to 75% of the gold’s market value.
Your eligible loan amount depends on current gold prices. If prices rise, you may get a higher loan; if they drop, the eligible value may reduce slightly.
Any adult Indian citizen of a sound mind can apply for gold loan in Ahmedabad if she or he is between 18 to 70 years of age.
Using the gold loan calculator on the IIFL website is the best way to calculate the amount of loan you can avail against your gold. Keep in mind that the loan amount is dependent on the purity of the gold and the weight of the gold pledged.
Yes, it is possible to prepay your gold loan in Ahmedabad. In fact, you will save on interest expenses if you do so.
The maximum tenure of gold loan in Ahmedabad is two years
The gold loan interest in Ahmedabad starts with 0.99% onwards per month and rate varies as per loan amount and gold loan scheme availed.
You can go through our website for any queries on low-interest gold loans. Alternatively, you can get in touch with our customer service staff by calling on 7039-050-000 for any type of queries on gold loan finance.
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