Gold Loan in Kolkata – Apply for Easy & Secure Gold Loans
In a city as lively as Kolkata, financial needs can show up anytime — sometimes when least expected. That’s when a
gold loan
can really help. Whether you’re handling family expenses, paying tuition fees, or giving your business a small push, agold loan in Kolkata
gives you quick access to money without selling your jewellery. The steps are easy, the paperwork is short, and the approval happens fast. Your gold stays safe while you use its value to manage your goals. It’s practical, secure, and built for people who want funds without hassle.
Estimate Your Gold Loan Eligibility (Rates Effective 03 Nov 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 Interest Rate in Kolkata
The
gold loan interest rate in Kolkata
changes depending on things like gold purity, the loan amount, and how long you plan to repay. Rates usually start at11.88% per annum
and can go up to27% per annum
. This flexibility makes it easier to find a rate that fits your comfort. Everything, from interest to fees, is explained in clear terms so you know exactly what you’re signing up for.
| 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 Kolkata
Gold loans have gained immense popularity, particularly in the vibrant city of Kolkata. IIFL Finance proudly presents a tailor-made gold loan designed to meet the unique capital requirements of the people of Kolkata. Here's an insight into the exceptional features of our gold loan in Kolkata:
How To Apply For A Gold Loan in Kolkata
You don’t need to go through a long process to get a
gold loan in Kolkata
. You can walk into the nearest branch or fill out a quick form online. Just share your basic details, bring the gold for evaluation, and once it’s checked, the loan gets approved quickly. Most people receive funds the same day. It’s a straightforward way to get money when you need it.
How To Apply For Gold Loan: Detailed Guide
Apply for a Gold Loan Online via Website: Step-by-Step Guide
-
Fill the Online Form
:Submit your details online and book an appointment at your preferred branch or your doorstep.
-
Visit the Branch
:Walk in with the gold you want to pledge.
-
Submit Documents
:Provide your ID and address proof for verification.
-
Get Quick Approval
:Gold is evaluated on the spot and the loan is disbursed quickly.
Loan Tenure and Repayment Options
Borrowers can pick a repayment period that suits them best —
12 months
or24 months
. You can choose to pay through EMIs or opt for an overdraft facility. If you wish to close the loan early, there’s no penalty or hidden cost. That means you stay in full control of your repayment.
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.
-
You must be between 18 and 70 years of age at the time of loan disbursement.
-
Applicants can be salaried, no salaried, self-employed, or non-salaried individuals.
-
You must own the gold you are pledging.
-
Only gold jewellery is eligible as collateral; gold coins and bars are not accepted for pledge.
-
Gold purity must be between 18 and 22 karats.
-
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:
-
Aadhaar Card
-
Valid Passport
-
PAN Card
-
Valid Driving Licence
-
Voter ID Card
Documents Required For Gold Loan in Kolkata
The documentation process required for an instant jewellery loan in Kolkata is simple and easy to execute. The following documents are required to prove your identity and address as valid proof for taking a gold loan in Kolkata:
Accepted Identity Proof
- Aadhaar Card
- Valid Passport
- PAN Card
- Valid Driving Licence
- Voter ID Card
Accepted Address Proof
- Aadhaar Card
- Valid Passport
- Electricity Bill
- Bank statement
- Valid Driving Licence
- Voter ID Card
Why Choose IIFL Gold Loan in Kolkata
IIFL Finance is one of the leading gold loan providers in Kolkata. We offer a variety of gold loan products with attractive and reasonable interest rates. Here are four reasons why you should choose IIFL Finance for your gold loan in Kolkata:
-
We offer the highest possible loan amount based on the value of your pledged gold.
-
Your pledged gold is fully insured and kept in secure lockers with us.
-
We offer specialised schemes to ensure that you get the loan amount you need to meet your financial needs.
-
We offer flexible payment options to make your loan repayment affordable.
Why is Gold Loan the Most Feasible Borrowing Mode in Kolkata?
Gold loans can be a great way to access quick cash for personal expenses. If you are a Kolkata resident with gold jewelry lying dormant in a bank locker, you may consider taking a gold loan. Gold loans are secured by your gold jewelry, so you don't need to have a good credit score to qualify. You can borrow up to 75% of the value of your gold and repay the loan over a period of up to 24 months.
Uses of Loan against Gold in Kolkata
A gold loan is a type of loan that uses gold jewelry or other gold items as collateral. This means that you can borrow money against the value of your gold, without having to sell it. Gold loans are a popular option for people who need quick access to cash, as they can be processed quickly and easily. There are no restrictions on how you can use the loan amount, so you can use it for any purpose you need.
Some common uses for a gold loan in Kolkata include:
Business Expenses
- IIf you're a business owner, you can get a gold loan to pay for your operations. This can entail investing in machinery, making rent payments, or hiring personnel.
Personal Expenses
- A gold loan can also be used to pay for personal expenses like a wedding, schooling, or vacation.
Medical Expenses
- In the event of an unexpected medical bill, a gold loan may come in handy. This may entail paying for medical expenses such as hospital bills, prescriptions, or other expenses.
Gold Loan in Kolkata FAQs
If all documentation is in order and eligibility is met, the approved loan amount can be credited to your account quickly
When opting for a gold loan from IIFL Finance, the annual gold loan interest rate can vary from 11.88% to 27%, subject to loan amount and repayment frequency.
The gold loan amount is computed based on pledged gold and its market value; utilize the gold loan calculator on IIFL Finance’s website to determine the loan against your gold's weight.
Eligibility includes being an Indian citizen aged 18 to 70, employed as a salaried individual, businessman, businesswoman, trader, farmer, or self-employed professional, with 18-22 carat gold ornaments.
Individuals requiring funds can apply for a gold loan online or visit our nearest gold loan branches in Kolkata.
No, only Indian residents are eligible to apply for a gold loan in Kolkata.
No, all costs including processing and interest rates are mentioned clearly before you apply.
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 amount depends on gold’s market price. If prices rise, the loan amount may increase; if prices drop, it may reduce slightly.
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