Gold Loan Calculation | Loan Against Gold | Indiagold
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Gold Loans starting at just 0.85% monthly interest,
now in Delhi NCR and Indore

Gold Loans starting at just 0.75% monthly interest,
now in Delhi NCR

Request a callback to get in touch with our loan advisors

or give us a missed call at 1800-123-999-888 or WhatsApp us at 9310366544

Gold Locker Icon

If you have already taken a gold loan with us, you can manage it by clicking My Gold Loan

new Gold Loan

Get a new Gold Loan

Get Gold Loans at the lowest interest rates starting from 0.85% per month (10.2% P.A.). At indiagold, we promise that you will get all these benefits:
shift your gold loan

Shift your Gold Loan

Shift your existing Gold Loan and save upto ₹12,000 per lakh. Provide us with your details and our loan advisors will guide you through the shifting process:

Trusted Partners

Get gold loan in 5 easy steps

Click on “Apply Now” above or give a missed call at 1800-123-999-888. Our loan advisor will call you back and guide you through the schemes

A Loan Manager will come to your home itself and process your loan application. The entire process takes less than 30 minutes.

Money is transferred to your bank account instantly after the application is processed. Your gold ornaments are packed in front of your eyes and sealed in secure GPS enabled packets.

After the money has been transferred to your account, the Loan Manager safely takes your gold and deposits it in secure lockers. Your gold is insured and our responsibility the minute it leaves your house. You can close your loan or pay your EMI directly from indiagold app.

After receiving the complete payment towards your loan, the gold is delivered to your house in the next 24 hrs with no shipping charges.

request a new loan

Gold Loan schemes

Loan duration: 6 months

Loan below ₹2 lakhs

RATE OF INTEREST STARTING AT

1.25% per month*

(Annual rate of interest: 15%)

Rebate on timely payment
Min Annual Percentage Rate (APR): 15%
Max Annual Percentage Rate (APR): 19.8%
Repayment schedule: Min – 6 months & Max – 12 Months

Loan duration: 6 months

Loan between ₹2 – ₹5 lakhs

RATE OF INTEREST STARTING AT

1.15% per month*

(Annual rate of interest: 13.8%)

Rebate on timely payment
Min Annual Percentage Rate (APR): 13.8%
Max Annual Percentage Rate (APR): 19.8%
Repayment schedule: Min – 6 months & Max – 12 Months

Loan duration: 6 months

Loan above ₹5 lakhs

RATE OF INTEREST STARTING AT

0.85% per month*

(Annual rate of interest: 10.2%)

Rebate on timely payment
Min Annual Percentage Rate (APR): 10.2%
Max Annual Percentage Rate (APR): 19.8%
Repayment schedule: Min – 6 months & Max – 12 Months

Want a little extra? Call us at 1800-123-999-888 for more customised Gold Loan schemes

*The interest rates mentioned above are discounted rates applied on timely payment of dues. Loan duration of 12 months is available on request

Zero foreclosure charges

LENDING PARTNER

INSURANCE & OTHER PARTNERS

INSURANCE & OTHER PARTNERS

Gold Loan calculator

Check your eligible loan amount with our Loan Calculator

S.No.

Karat

Weight (gms)

Loan Amount

Total eligible loan amount

This is a representative figure. Final amount will be determined once your gold is assayed by our loan managers

Frequently asked questions

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.

We are presently active in Delhi NCR & Indore. Our offices are in Karol Bagh, New Delhi & Udyog Vihar, Gurgaon, Indore:

Delhi Office: 2nd Floor, 10200, BLOCK -S
Gururdwara Road, Naiwala, Karol Bagh
Above ICICI Bank
Delhi – 110005

Indore Office: 3rd floor ,Workie Tower, SP-365
Janjeerwala Square, New Palasia,
Indore – 452001

Gurgaon Office: Innov8, 3rd Floor, Orchid Centre, Golf Course Road, Sector 53, Gurgaon, Haryana – 1220226

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.

In case a payment is missed because of unforeseen circumstances, the interest rates are subject to jumper interest rates. The loan manager will also be in touch with the customer to discuss the issue. indiagold recommends to make timely payments to avail discounted interest rates.

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

If your bank account was debited and payment failed, it should be automatically reversed to your bank account in 72 hours or according to your bank guidelines. If you still need help, please contact our customer service team at support@indiagold.co or you can also raise a ticket from the Help section of indiagold app.

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.

After receiving the complete payment towards your loan, we will release your gold in 24 hours.

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.