STEP 1: Raise a request: 
Click on “Apply Now”. You would be requested to fill in your mobile number. When you press submit, a Relationship Manager will reach out to you to answer any questions you might have. Once you confirm, they will schedule the visit of a Loan Manager to arrive at your location for processing the loan.

STEP 2: Process loan at the privacy of your home: 
A dedicated Loan Manager (LM) will arrive at your location. When the Loan Manager arrives, please confirm your 6 digit OTP with him/ her. The LM would answer any questions you might have and fill the application form for you. Once the form is submitted the loan amount is transferred instantly to your bank account.

STEP 3: Gold is deposited in secure vaults: 
Your gold ornaments are then safely taken and deposited in secure lockers till the time your loan is active. During this time, your gold is kept safely and also gets free insurance from New India Assurance Co. Ltd. You don’t have to pay anything for this. Whenever you wish to close your loan or complete your installments, this gold is delivered safely back to you at your location.

Please WhatsApp us at 9310366544 or give a Miss Call on 1800-123-999-888 for any assistance or more details.

When a dedicated Loan Manager arrives at your location, please provide them with the following documents to kick start your loan application:

1. An Identification Proof such as Aadhaar Card, PAN Card, Voter ID, Passport or Driving License
2. An Address Proof such as Aadhaar Card, Voter ID, Passport, Driving License, Utility Bill (Phone/Gas/Electricity/Water/Broadband etc.) / Lease Agreement of local address with the same address in your utility bill (in case your permanent address is different from your current residential address)
3. PAN Card or Form 60
4. Your photograph

Note that in case you are shifting your loan from another existing lender for better rates or/and higher loan amount, then please also include the Pledge card (letter issued by your current lender) of your existing gold loan with details of ornaments pledged.

Please WhatsApp us at 9310366544 or give a Miss Call on 1800-123-999-888 for any assistance or more details.

No, we are very transparent with all cost incurred by customer. We don’t charge any processing fee.

Our loan tenure is 6 Months. After that, the customers can go for a renewal if they wish to.

You can make a payment or pay your interest through any of the following modes:
Pay online on the indiagold Android App using:

• Internet Banking
• Debit Cards
• UPI
• Money transfer using RTGS/IMPS (we don’t recommend NEFT due to delayed processing)

We offer flexible repayment options, you can make your interest payment, closure payment and part payment.
Interest payment is the interest you need to pay on your principal amount every month
Closure payment is the closure amount you need to pay to release all your jewelry.
Part payment is a payment you can make at any point in time which is more than the interest payable for that month

We accept all gold jewellry as long as it’s 18 karats and above. We do not accept gold coins, biscuits and bars. The purity and value of gold is assessed by our trained and expert valuers.

To ensure the safety of your gold ornaments, we have partnered with reputed banks that are trusted across India. Your ornaments are sealed in a GPS secured bag while being transported by our security partner Brinks, from your home to the bank branches, where upon arrival, is stored in secure bank lockers under bank-grade security and surveillance to ensure utmost safety. Your gold is also fully insured with trusted New India Assurance against any theft or accident during transit from and to your doorstep.