Interest rates depend on the lender’s policies, loan tenure, repayment option, and the value of the pledged gold, ensuring competitive and transparent pricing.

The valuation is based on the gold’s purity, net weight, and prevailing market price, along with the applicable loan-to-value ratio set by the lender.

Most lenders accept gold ornaments such as chains, rings, bangles, and necklaces. Acceptance depends on purity and lender policies.

Applicants must be at least 18 years old, own eligible gold jewellery, and provide valid identity and address proof, in accordance with the lender’s requirements.

You can apply either online through the lender’s website or by visiting a nearby branch with your gold jewellery and valid KYC documents. The loan is processed after gold evaluation and document verification.