Gold Loan In Pune
Gold Loans are a convenient means of raising quick cash during times of need and financial stress. There are several banks and NBFCs, such as IIFL from which you can avail a gold loan in Pune. You can avail the loan through an onsite visit to one of our branches or you can avail the gold loan through the online application process. The gold loan in Pune has no end-use restrictions. This means you can use it for any purpose you deem fit – there are no questions asked or conditionalities attached.
IIFL Finance gold loan in Pune have designed to cater to all the capital needs of individuals with customized gold loan schemes and repayment process. Apply Now!
Features and Benefits of Gold Loan In Pune
If you need to raise urgent money through a loan against gold in Pune, here are some features and benefits that can work in your favor
How To Apply For A Gold Loan in Pune
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
Calculate Loan Amount Against Gold (Rates as on 06 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.*
Eligibility Criteria to Apply For Gold Loans in Pune
The eligibility criteria fo gold loan in Pune has been kept simple such that any one in urgent need of support of a loan can use the gold loan which offers comparatively lower interest rates than unsecured loans like personal loans. The gold loan in Pune is offered to Indian citizens only. The most crucial of the criteria for availing a gold loan is having gold articles to pledge as collateral.
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A person’s age must be between 18 - 70 years
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Have a valid Identity and address proof
Documents Required For Gold Loan in Pune
The gold loan offered by IIFL could be considered the best gold loan in Pune because of the minimal paperwork. You need to submit the following gold loan document only:
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 Pune
A loan against Gold in Pune is an easiest way to raise emergency funds. IIFL Finance is one of the leading gold loan companies in India. We have designed our gold loan products to be distinctive and ensure they come with attractive and affordable gold loan interest rate. The gold loan in Pune offered by IIFL is perhaps considered one of the best gold loans because of the following reasons:
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High Loan to Value Ratio: IIFL offers up to 75% of the value of the weight of the gold deposited
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Flexible EMIs: Repay as per your convenience. Pay through regular EMIs or pay the entire principal and interest at the end of the loan tenure
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Gold Safety: IIFL secures the gold deposited in secure vaults with high-level security, backed by insurance
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Transparency: IIFL follows a transparent policy regarding interest rate and gold valuation
Uses of Loan against Gold in Pune
The loan against gold in Pune has no end-use restrictions. Thus, you can use it for a variety of purposes such as:
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Payment of tuition or admission fees
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Home renovations/furnishing
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Medical treatment
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Vacation Expenditure
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Marriage expenses
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Paying of regular bills during a cash crunch
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Making a down-payment while buying a home
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Starting a business venture
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Upscaling a business venture
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Office furnishing
The loan in Pune can be used for any purpose or a combination of purposes as you may find necessary.
Why is Gold Loan the Most Feasible Borrowing Mode in Pune?
The gold loan in Pune offered by IIFL is perhaps one of the best gold loans and the most feasible mode of borrowing in Pune.
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It is a secured loan and therefore offers lower interest rates to unsecured loans like Personal Loans
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You do not need a good credit score
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There is no ceiling limit to the gold loan in Pune
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IIFL offers a high Loan to Value ratio of 75%
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You can prepay the loan as per your convenience
Gold Loan in Pune FAQs
If all your documents are in order and the pledged gold has been thoroughly evaluated by our representative from IIFL Finance, you can expect the amount to be transferred into your account within a few hours of the same working day.
Yes, depending on the loan scheme you have opted for, a processing fee will be involved. It's best to read the loan sanction letter at the time of disbursement.
Yes, you can get a top-up on your existing gold loan in Pune. Simply visit this link: https://www.iifl.com/loans-app or download the IIFL loans app to explore the top-up process and check your eligibility with ease.
Any Indian citizen between 18 to 24 years with a stable income source can apply for a gold loan in Pune. NRIs can only apply along with a co-applicant. This co-applicant needs to be an Indian citizen between 18 to 70 years of age.
Yes, it is possible to prepay your gold loan in Pune. All you need to do is repay the principal and the accumulated interest.
The gold loan amount is based on the 30-day average price of 22 karat gold, the weight of gold deposited, and a Loan to Value Ratio of 75%. You can use the IIFL online gold calculator to do this calculation. If the gold you plan to deposit as collateral is of lesser purity, the loan value will be lesser than shown on the calculator.
The maximum tenure for a gold loan in Pune is 24 months.
The interest rate on gold loans in Pune depends on the loan amount and the gold loan schemes. As of June 2023, interest rates on loans against gold in Pune ranged between 11.88% p.a. to 27% p.a.
We have multiple payment options for gold loan repayment like through Physical Branches, Quickpay, Bank transfer or UPI apps.
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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