Gold Loan In Bikaner
Gold is much valued in Bikaner, the city established by the proud Rao Bika who turned a barren, inhospitable terrain into a thriving oasis of trade in Central Asia. It is therefore natural that the residents of Bikaner carry on this proud tradition, developing and expanding thriving enterprises. With gold as a collateral, the gold loan is therefore a useful credit product that is offered by several banks and NBFCs in the city. The gold loan in Bikaner offered by IIFL Finance has several attractive features that take it within easy reach of the people of Bikaner. With its affordable interest rates and several credit products, IIFL Finance is a household name in Bikaner.
Features and Benefits of Gold Loan In Bikaner
The loan against gold in Bikaner offered by IIFL Finance is a dependable option in times of crises. You can easily apply for the loan online if you have gold ornaments to offer as a collateral to be deposited with IIFL during the loan period. The star features of the gold loan are as follows:
How To Apply For A Gold Loan in Bikaner
Walk into any IIFL Gold Loan branch with your gold.
Find Nearest Branch
Provide your ID proof, address proof and gold to get an instant gold loan approval
Documents Required
Simple process ensures that you get the loan amount
Estimate Your Gold Loan Eligibility (Rates Effective 13 Dec 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.*
Disclaimer: The gold loan amount displayed is an estimate. Actual eligibility and loan value may vary based on the gold valuation process.
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 Bikaner
Affordable interest rates and easy-to-meet eligibility criteria are not the only reasons for the gold loan of IIFL Finance being considered one of the best gold loans in Bikaner. The following features make this loan product of IIFL Finance extremely appealing to borrowers:
Highest Loan-to-Value
:Offering an LTV of 75%, this means that you can get a loan amount of up to 75% of the base value of gold present in the ornaments offered as collateral. You can use the online gold calculator to estimate the loan amount you will receive.
Flexible EMIs
:The gold loan in Bikaner offers the borrower several repayment plans to choose from, allowing them to choose the plan depending on when they expect to be able to repay the loan with ease. If you choose the right plan, you can get the lowest gold loan interest rate in the city.
Gold Safety
:IIFL Finance’s reputation as one of the best gold loan providers in the city is due in no small measure to the care taken to protect your gold. It is stored in vaults with high levels of security and given an added layer of protection with insurance.
Transparency
:The highly transparent manner in which the entire loan application, processing and finalising is carried out, makes the gold loan a much sought-after credit product in Bikaner.
Why is Gold Loan the Most Feasible Borrowing Mode in Bikaner?
As many people in Bikaner prefer cash transactions and rarely use credit cards, many do not have a credit score tagged in their name. The gold loan in Bikaner offered by IIFL Finance does not require the borrower to have a credit score. With gold offered as a collateral, the interest rates offered are much lower than any unsecured loan product. Thus residents of Bikaner find the gold loan one of the most feasible borrowing modes whenever they need to raise money to take care of a pressing need.
Uses of Loan against Gold in Bikaner
The gold loan in Bikaner can be put to several different and varied kinds of uses as it does not come with any conditions attached regarding usage. Unlike a home loan which can only be used to buy a home, or a car loan which can only be used to buy a car, the loan money raised against a gold loan is deposited into your account. You can withdraw it for use against any purpose you see fit. The uses of the gold loan mainly fall into three categories:
Business Expenses -
Personal Expenses -
Medical Expenses -
Gold Loan in Bikaner FAQs
Any one who wants to apply for a gold loan from IIFL Finance in Bikaner must be at least 18 at the time of application. He or she must also be an Indian citizen, within 70 years of age.
To complete your application for a gold loan in Bikaner one must submit at least two kinds of proof – proof of address and proof of identity.
There are innumerable benefits to taking a gold loan from IIFL Finance. Transparent procedures, competitive interest rates, freedom of usage of loan amount, easy accessibility, affordability and flexible repayment option are just a few of the myriad benefits that are an intrinsic part of this credit product.
The gold that you can pledge is the kind that is easily available in almost every house in Bikaner – gold ornaments of purity between 18 K to 22K.
The gold loan interest rate is one of the most affordable starting at 0.99% per month. This may increase depending on the loan repayment term and schedule. Being dependent also on RBI repo rates, the interest rates are subject to change without notice, but are fixed once an agreement is signed.
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