Suvarna Dhara Gold Loan – Unlock the Power of Your Gold
In business, timing is everything — and so is liquidity. Whether you’re an MSME preparing for a festive rush or simply need financial breathing room ,
IIFL Finance’s Suvarna Dhara Gold Loan
provides quick access to capital
without compromising safety.
A gold-backed loan designed for your needs, giving you the freedom to borrow funds and enjoy complete peace of mind with
insured and securely stored gold.
Empower your next move — apply for Suvarna Dhara Gold Loan today!
What is Suvarna Dhara Gold Loan?
Suvarna Dhara Gold Loan
is a term loan backed by gold, designed to provide
MSMEs and individuals with hassle-free financial support.
Who is it meant for?
-
MSMEs
seeking working capital for growth or seasonal demands
-
Individuals
who value secure, insured storage for their gold
-
Customers
looking for 24x7 surveillance and nominal maintenance charges
With
IIFL Finance’s trusted gold valuation and secure vaults,
your gold stays safe while your business keeps moving.
Features of Suvarna Dhara Gold Loan
Suvarna Dhara Gold Loan
combines flexibility, affordability, and trust:
-
Loan Amount
: Borrow from ₹1 lakh up to ₹50 lakh, based on your gold’s value
-
Hassle-Free Renewals
: Renew your loan easily via the
IIFL Loans App
-
High Security
: Gold remains fully insured and protected in IIFL Finance’s
secured vaults
-
Attractive Interest Rates:
-
Up to ₹2 lakh – 18% p.a.
-
₹2–₹5 lakh – 15% p.a.
-
Above ₹5 lakh – 13.2% p.a.
-
Transparent Charges
| Charge Type | Details | Description |
|---|---|---|
| Processing Fee | 0.1% of the eligible loan amount | One-time fee during loan tenure; no recurring charges for top-ups |
| Gold Maintenance Charge | ₹ 5/day or ₹ 10/day (as per scheme, excluding GST) |
Charged for safekeeping and maintenance; waived if outstanding > ₹1,000 |
| Penal Charges | 6% p.a. on dues outstanding (excluding GST) |
Applicable only in case of delayed payments |
(All rates and fees are subject to applicable terms and conditions.)
Benefits of Suvarna Dhara Gold Loan
-
Flexible gold-backed loans up to ₹50 lakh
-
Quick disbursal and convenient repayment options
-
Lower interest rates for higher loan amounts
-
Safe storage with insurance and 24x7 surveillance
-
Perfect for MSMEs managing seasonal or working capital requirements
Why Choose Suvarna Dhara Gold Loan?
Suvarna Dhara Gold Loan
blends
flexibility, affordability, and security
for a smarter borrowing experience:
With
Suvarna Dhara Gold Loan
, your gold doesn’t sit idle — it works for you.
Experience a smarter way to borrow :
quick access, complete transparency, and total security, all from
India’s most trusted name in gold-backed finance.
No liquidity stress. Just pure, flexible financial freedom.
Estimate Your Gold Loan Eligibility (Rates Effective 08 Jan 2026)
*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 Amount & Valuation (Loan starting will be 1Lac)
You can get a loan against gold starting from Rs 3000 onwards. The Gold Loan amount depends on the gold valuation, based on the purity of the pledged gold (assumed to be 22 Karat). Its market value is calculated by taking the 30-day average gold rate of 22 Karat gold. First, experts assess the quality. Then, the Gold Loan amount is determined according to the RBI’s guidelines which is up to 75%.
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
Safety and Security of Your Gold
At IIFL Finance, the safety and security of your pledged gold is the highest priority. From the moment a professional agent collects your gold at your doorstep, stringent security protocols are followed to ensure complete protection. Each item is carefully verified, weighed, and documented to maintain transparency and accuracy before it leaves your home.
During transportation to IIFL’s trusted branches or high-security vaults, the gold is moved under secure, monitored, and insured logistics, minimizing any risk of loss or damage. Upon reaching the vaults, your gold is stored in highly secure and fully insured facilities, monitored round the clock with advanced surveillance systems and strict access controls.
Customers can rest assured that their gold is safeguarded at every stage, collection, transit, storage, and return. The insurance coverage further adds an extra layer of protection, ensuring peace of mind. IIFL Finance’s processes are designed to combine convenience with uncompromised safety, so you can access funds through a gold loan confidently, knowing your valuable assets are always secure.
Insurance Coverage of Your Gold
When you pledge your gold with IIFL Finance, its safety becomes our top priority. We know your gold holds emotional as well as financial value, so we make sure it stays fully insured throughout the loan tenure, right from the time it’s deposited until it’s returned to you.
Here’s what our comprehensive insurance coverage includes:
- Protection against theft, loss, or damage during transit or while in our custody.
- Coverage for natural calamities such as fire, floods, or earthquakes.
- Insurance handled through trusted and reputed providers, following strict industry standards and regulatory guidelines.
In the unlikely event of loss or damage, customers can file a claim based on:
- The recorded weight and purity of the pledged gold.
- Reimbursement or replacement calculated at current market rates as per official gold price publications.
Please note:
- The insurance policy is usually held in the lender’s name, though customers may need to support the claim process if required.
- In case of a borrower’s death, the lawful heirs can redeem the pledged gold after settling any pending loan dues through a verified and secure process.
With IIFL Finance, you can be confident that your gold is in safe hands, backed by robust insurance protection and complete transparency at every step.
What Happens If You Default?
A default on a gold loan happens when you miss or delay your payments, or fail to pay any other dues such as interest or fees by the scheduled dates. It may also include breach of loan terms, providing incorrect information, or not maintaining the required security margin.
At IIFL Finance, we understand that financial challenges can arise unexpectedly, and our approach is always transparent and customer-friendly. Here’s what typically happens if a default occurs:
-
Step 1:
Reminders and Grace Period
- You’ll first receive gentle reminders via calls, messages, or emails, along with a short grace period to help you make your payments.
-
Step 2:
Formal Notice
- If the dues remain unpaid, a formal notice is issued, providing a clear 10-business-day window before any further action.
-
Step 3:
Auction Process (if needed)
As a last resort, the pledged gold may be auctioned in accordance with Reserve Bank of India (RBI) guidelines. The sale proceeds are used to clear outstanding dues, and any remaining balance is refunded to you.
To help you avoid such outcomes, IIFL Finance offers options like:
-
Loan restructuring or tenure extensions, subject to approval.
-
Guidance on repayment plans to help you get back on track.
Keep in mind that defaulting can affect your credit score and may impact your ability to get loans in the future. We always encourage timely repayments to maintain a healthy credit record and ensure continued access to financial support when you need it most.
Things to Consider Before Taking a Gold Loan
Eligibility Criteria
: Eligibility is the first consideration - most lenders, including IIFL Finance, require borrowers to be Indian residents aged 18 years or above with valid KYC documents like Aadhaar and PAN. No income proof is typically required, making gold loans accessible to a wide range of borrowers.
Gold Purity and Weight
: Next, consider the purity and weight of your gold. Gold loans are approved based on the 30-day average gold rate, which depends on karat purity and total weight. Ensuring that your gold is in good condition helps you maximize the loan amount.
LTV Ratio
: Loan-to-Value (LTV) ratio is another critical aspect. This determines the maximum percentage of your gold’s value that can be sanctioned as a loan. Higher LTV ratios allow you to access more funds while ensuring you understand the repayment obligations.
Documentation
: Minimal KYC documents are usually needed, but it’s important to verify that all papers are correct and complete to avoid delays. Understanding these factors helps you make informed decisions and ensures a safe, convenient, and transparent gold loan experience.
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