Interest rates and charges depend on the lender, loan tenure, repayment structure, and loan amount. All applicable fees, including processing and servicing charges, are disclosed upfront for transparency.
Borrowers can select from flexible repayment options such as regular EMIs, interest-only payments, or full repayment at maturity, based on their financial convenience and lender terms.
Gold loans are processed promptly. Once the jewellery is verified and documentation is completed, funds are usually disbursed within a few hours, ensuring quick financial access.
Most lenders accept gold jewellery ranging from 18 to 22 karats. Ornaments are commonly eligible, while coins may be accepted selectively, depending on the lender’s internal policies.
The loan amount is determined by the gold’s purity, net weight, prevailing market price, and the lender’s approved loan-to-value ratio. Higher purity and accurate valuation generally enhance borrowing eligibility.
