® 
Features
- Risk free loan
- Smoother collections
- Enhanced customer experience
- Faster turnaround time of 30 mins
- Deposit free Gold lockers available with free insurance
- Doorstep Service
- LTV-85%
Pricing
- Interest rate - Starting from 0.77% PM
- Loan Tenure - 12 months
Documents Required
- Only Aadhar & PAN
Gold Loans From Indiagold - Features, Benefits & Interest Rates
Gold Loans have become one of the most sought after products in the recent past. The reasons for this are manifold - they are easily accessible, have a low rate of interest, and can be used for a variety of purposes. India Gold offers loans at the most competitive rates in the market, and the processing is extremely simple and straightforward. They are much more affordable than personal loans and can get you higher loan amounts. In most cases, the money can be credited to your account within 30 minutes.Gold has been used as a form of currency and collateral for loans in India for centuries. The yellow metal is abundant in the country and easy to transport and store, making it an ideal form of currency. In recent years, gold loans have become popular in India as a way to borrow money at affordable interest rates.
Indiagold Gold Loans - Snapshot
| Loan Amount | Based on the gold ornaments you pledge |
| Interest Rate | Starting at 0.49% per month |
| Approval Time | As quick as 30 minutes |
| Repayment Tenure | 61 days - 12 months |
| Gold Purity Accepted | 18k & Above |
| Processing Fees | NIL |
| Pre-closure Charges | NIL |
Indiagold is a digital lending company that provides affordable gold loans. They assure a quick and hassle-free process, that puts money in your hands in 30 mins or less.
The entire loan processing can be done from the comfort of your home; the loan officer will visit your home at your convenient time, appraise the gold, complete the loan processing, and leave only after the loan amount is credited to your account.
Your gold is secured in a high-security vault, and will be released within 24-hours of loan closure.
A trusted partner of over 20 lakh customers across the country, Indiagold has offices across all major cities, and is continually expanding.
Why Should I Choose Indiagold Gold Loans?
- High loan amount per gram of gold
- Totally digital solution for a secure and seamless loan processing
- ‘Gold loan at your doorstep’ service allows you to complete the loan process without visiting a branch
- Backed by global investors like Falcon|Alpha Wave, PayU, Titan Capital, Rainmatter, Leo Capital, and more
- ZERO processing fees and pre-closure charges
- Interest discount for monthly payment mode
- Gold Loan transfer from other lenders available
- Minimal documentation with instant disbursal
- High-security vault to keep your pledged gold safe
- Doesn’t need your credit score to process loan
How To Apply For An Indiagold Gold Loan?
1. With rates starting at just 0.89%, indiagold offers doorstep gold loan services. Trained loan managers fill out the application in front of you while assaying the gold at your house. Your loan is immediately processed by the lending partner, and within five minutes, the money is transferred to your bank account.
2. Download & install the indiagold mobile app.
3. Click "Apply Now" for a new loan or "Shift Loan" to transfer your existing gold loan from another lender to indiagold.
4. You will be asked to enter your mobile phone number and the loan amount you want.
5. When you press the submit button, a Relationship Manager will contact you to answer any questions you may have.
6. Once you confirm, they will schedule a Loan Manager visit to your location to process the loan.
7. Please confirm your 6-digit OTP with the Loan Manager when he or she arrives.
8. He or she will then evaluate the gold ornament using standard equipment and tools.
9. The LM will further address any concerns you may have and finalize the application form on your behalf.
10. When you submit the form, the loan amount is instantly transferred to your bank account.
11. Your gold ornaments are then safely removed and stored in secure lockers until your loan is activated. During this time, your gold is kept safe and insured for free by New India Assurance Co. Ltd.
12. When you repay the loan in full, this gold is safely returned to you at your location.
Who Is Eligible To Apply For Indiagold Gold Loan? What Are The Documents Required?
Indian citizens over the age of 18, with valid KYC documents, can apply for indiagold Gold Loan. The required documents are –
- PAN Card
- Any one identification proof such as Aadhaar Card, PAN Card, Voter ID, Passport or Driving License
- Any one address proof such as Aadhaar Card, Voter ID, Passport, Driving License, Utility Bill, or Lease Agreement- One passport size photograph
Additional documents required for gold loan transfer –
- Pledge card of your existing gold loan with details of ornaments pledged
What Is Indiagold ‘Gold Loan At Home’ Service?
When we shop for everything online, why not shop for gold loans online too? Indiagold wants customers to have a stress-free gold loan experience, and that is how the ‘Gold Loan at Home’ service culminated.
1. All you need to do is download the indiagold mobile app and apply for a new gold loan.
2. Indiagold will send their loan managers to your home at your convenient time
3. They will inspect the quality and purity of your gold, explain the various available schemes, and recommend the best one for you.
4. Once you complete the application procedure, the loan amount is deposited directly into your bank account, and the gold is securely transferred to their high-security vaults.
5. The gold will be returned to you at your home once the loan is paid off. You can also arrange a visit to their high-security vaults, where your gold is safely stored.
Indiagold Gold Loans FAQs:
1. What is indiagold Gold Loan?
Indiagold is a new-age lending platform that gets you affordable gold loans from reputed lenders. You can avail gold loans as low as Rs.50000 at an attractive interest rate of 0.49% per month.
2. How do I find the nearest indiagold branch?
Indiagold is currently operating from some of the major cities. But you don’t have to visit a branch to avail indiagold gold loans. They offer ‘Gold Loan at Home’ service where the loan manager will visit your home, evaluate the gold, and process the loan in front of you; all done in less than 30 minutes.
3. How much gold loan can I get from indiagold?
There is no limit on how much gold loan you can get. The loan amount will depend on the amount of gold you pledge, and indiagold promises one of the highest loan rates per gram.
4. How can I transfer my existing gold loan to indiagold?
You have to download the mobile app and click on the ‘Shift Gold loan’ option. You need to have the pledge card and the details of the gold ornaments you pledged with the current lender.
5. Can I pre-close my gold loan with indiagold? What are the pre-closure charges?
Indiagold does not have any pre-closure charges. You can pay off the loan anytime you want.