Gold Loan in Delhi – Apply for Easy & Secure Gold Loans
In Delhi, where life moves at lightning speed and opportunities come knocking every day, financial needs can arise when you least expect them. Whether you’re expanding your business, handling medical expenses, or planning a big family celebration, a gold loan in Delhi gives you instant access to funds without selling your gold. It’s quick, secure, and transparent — the ideal solution for those who value both time and trust. With simple paperwork and same-day approvals, getting a gold loan in Delhi is a seamless experience that fits right into the city’s fast-paced rhythm.
Estimate Your Gold Loan Eligibility (Rates Effective 11 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 Delhi
The gold loan interest rate in Delhi depends on key factors like the purity of your gold, loan amount, and chosen repayment tenure. Typically, the rate starts at 11.88% per annum and can go up to 27% per annum, giving borrowers flexibility to choose what works best for them. All details, right from interest to fees, are shared upfront, ensuring complete transparency throughout the process.
| 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 Delhi
Gold loans have become a popular product, especially in Delhi, as the demand for gold is among the highest in India. Quality lenders have specially designed gold loans in Delhi as a financial product to cater to the capital needs of the gold owners of Delhi. Here are some of its features.
How To Apply For A Gold Loan in Delhi
Applying for a gold loan in Delhi is effortless and quick. You can visit the nearest branch or complete the process online in just a few steps. Submit your basic KYC documents, specify the gold you wish to pledge, and schedule a valuation appointment. Once your gold is verified, the loan is approved and disbursed and mostly within a few hours. The process is designed to be simple, time-efficient, and customer-friendly.
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 repayment tenures of 12 months or 24 months, depending on their financial comfort. Repayments can be made through EMIs or via an overdraft facility, offering flexibility in managing cash flow. You can also repay early or close the loan anytime without additional charges, giving you complete financial control.
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 Finance to Avail a Gold Loan in Delhi?
IIFL Finance is a one-stop solution for all your capital needs. The loan process is designed to offer industry-best benefits to ensure hassle-free loan application and disbursal. IIFL have presence in India with 2668+ branches and gold loan at home service. Here is why you choose IIFL to take a gold loan if you reside in Delhi.
Why Gold Loan is a Suitable Credit Option in Delhi?
Here is why a loan against gold in Delhi is a suitable credit option:
Delhi is one of the major hubs for credit lending companies, including several gold loan finance companies, that have curated numerous gold loan products to provide adequate capital through leveraging gold ornaments. Delhi witnesses high gold demand, which makes it easy to pledge gold and raise funds.
A loan against gold in Delhi helps raise funds without any external capital. You can apply for a gold loan without owning any valuable asset apart from the gold ornaments.
Gold Loan in Delhi FAQs
You can apply for a gold loan when you need urgent capital funds for specific purposes such as education, medical, marriage etc. and have physical gold that you can pledge as collateral.
The maximum tenure of the gold loan is 24 months.
The gold loan interest in Delhi 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.
No, only Indian residents are eligible to apply for a gold loan in Delhi.
No, all applicable charges including processing fees and interest rates, are disclosed upfront before approval.
Yes, you can apply online easily. The process is simple, paper-light, and designed for quick approvals.
As per RBI norms, lenders can offer up to 75% of the market value of your gold.
Your loan amount depends on the market price of gold. If gold prices rise, your eligible loan value increases; if prices fall, it decreases accordingly.
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