Logo
x
Tools
Gold Loan
Digital Gold
Lending Partners
Join Us
About Us
Blog
Terms & Conditions
Privacy Policy

Gold Loan in Delhi @

0.77% per month*

Gold Loan in Delhi

@ 0.77% per month*

Apply with mobile number

+91

You will receive a call from our Relationship Manager
Nearest indiagold office
2nd Floor, 10200, Block - S, Gurudwara Rd, Nai Walan, Karol Bagh, New Delhi, Delhi 110005
icon
Apply with mobile number

+91

You will receive a call from our Relationship Manager
Nearest indiagold office
2nd Floor, 10200, Block - S, Gurudwara Rd, Nai Walan, Karol Bagh, New Delhi, Delhi 110005
icon
*Terms & Conditions apply

GETTING A GOLD LOAN IS A TEDIOUS AND TIME CONSUMING PROCESS, ISN'T IT?

Well it turns out that we at indiagold has a solution for your problem. Now you can get Gold loans at your doorstep.

0.77% RATE OF INTEREST PER MONTH

DOORSTEP GOLD LOAN

MONEY TRANSFER IN JUST 30 MINUTES

100% FREE INSURANCE ON YOUR GOLD

DLAI Banner DesktopBFSI Banner DesktopBFSI Banner DesktopBFSI Banner Desktop
map

NEED MONEY QUICKLY IN delhi?

Look no further than a gold loan with indiagold!
loan
With indiagold's doorstep gold loan service in delhi, you can borrow money using your gold or gold jewellery as collateral. No need for a down payment or additional collateral.
mobile
Simply apply here, and get the funds you need in no time. Whether for personal or business use, a gold loan is a hassle-free way to get the financial support you need.
Delhi is a city that encapsulates the essence of India's rich history, vibrant culture, and modern aspirations. As the capital of India, Delhi holds a special place in the hearts of both locals and visitors alike. With its ancient monuments, bustling markets, and thriving food scene, Delhi is a city that never fails to leave a lasting impression.

Delhi's historical significance dates back thousands of years, and it has been the seat of power for several dynasties and empires. From the mighty Mughals to the British Raj, the city bears the architectural and cultural imprints of its rulers. The UNESCO World Heritage Sites of Qutub Minar, Red Fort, and Humayun's Tomb stand as magnificent testaments to Delhi's glorious past.

But Delhi is more than just a city frozen in time. It is a sprawling metropolis that blends tradition with modernity. The city's skyline is adorned with towering skyscrapers, reflecting its status as a global hub for business and commerce. From bustling commercial districts to sprawling residential neighborhoods, Delhi offers a diverse range of opportunities and experiences for its residents.

Delhi's street markets are a shopaholic's paradise. From the vibrant chaos of Chandni Chowk to the trendy boutiques of Hauz Khas Village, the city caters to every shopper's taste and budget. Here, you can find traditional textiles, intricate handicrafts, and the latest fashion trends all in one place.

Beyond shopping, Delhi's cultural scene is a treasure trove of art, music, and theater. The city boasts numerous art galleries, theaters, and music venues that showcase the talents of both established and emerging artists. From classical Indian music concerts to experimental theater performances, Delhi offers a vibrant cultural calendar throughout the year.

Delhi's culinary landscape is a delightful fusion of flavors from across India and the world. From mouthwatering street food to fine dining establishments, the city is a paradise for food lovers. Whether you crave the tangy delights of chaat or the aromatic spices of Mughlai cuisine, Delhi's diverse culinary offerings are sure to tantalize your taste buds.

As the political, cultural, and economic center of India, Delhi attracts people from all walks of life. Its cosmopolitan nature is reflected in its diverse population and the myriad languages, traditions, and festivals that coexist within its boundaries. Delhi's warmth and hospitality make it a welcoming city for both residents and visitors, ensuring that everyone feels at home in its embrace.

In the heart of Delhi lies the pulsating soul of a nation, where history merges with modernity and traditions intertwine with progress. Exploring Delhi is like embarking on a journey through time, where every corner reveals a new chapter in the city's fascinating story. Whether you seek ancient wonders, culinary adventures, or cultural experiences, Delhi promises to leave an indelible mark on your heart and mind.

BENEFITS OF GOLD LOAN IN delhi

There are many reasons why you should consider taking a gold loan.
Here are 7 benefits of gold loan in delhi:
checked
Gold Loan can be helpful to fund your child’s education.
checked
It can be useful for expanding business or working capital requirements or to
checked
Buy a home from gold loans
checked
To improve agriculture by buying machineries for irrigation and other needs
checked
To get a loan at competitive rates with no collateral requirements
checked
These are also helpful for funding any emergency needs as getting a gold loan is a very easy process
checked
For more details: Funding emergency needs with gold loans
checked
Flexible usage: In contrast to other loans, there are no limits on how you use the money you borrow.
checked
Less Paperwork: The paperwork required is minimal throughout the entire procedure, from loan application to disbursal. indiagold disburses loans in just 30 minutes* after the process has begun

FEATURES OF GOLD LOAN IN delhi

Lower interest rates:
As gold loans are secured loans, they are subject to lesser interest rates as compared to other types of loans
Loan-to-value (LTV):
The Reserve Bank of India has set a maximum LTV ratio of 75%. (RBI). For instance, if you guarantee one lakh rupees worth of gold, you can only receive up to 75,000 rupees as a gold loan. However, with rising gold prices, you can get a lot more amount for your gold these days.
Lower processing fees:
The processing fees of gold loans is very less. We at indiagold offer ZERO processing fees.
No foreclosure charges
In contrast to other loans, there are no foreclosure fees or prepayment penalties when paying off the loan amount before the loan term.
No credit score requirement
There is no requirement for credit scores because gold loans are secured by gold or gold jewellery. So these loans are sometimes the best option for borrowers with less-than-perfect credit.
No restrictions on the usage of money
There are no restrictions on where you are using the money obtained from the gold loan, unlike other loans.
Tenure of Gold loan
Gold loan tenures starts from 3 months and can go upto 5 years depending on the loan amount and the borrower's requirement. At indiagold, gold loans tenure is of 6 months. However, it can be renewed in a hassle free manner from the indiagold app, without any additional charges.
Safety of gold
The financial institution provides your gold with high security. They'll keep your gold in their vaults under proper guard. indiagold provides free, 100% insurance for your gold.

Gold Rate in delhi for Last 10 Days (10 gm)

Date22K Gold24K Gold

ELIGIBILITY FOR GOLD LOAN IN delhi

Age group:
If you are between the ages of 18 and 65, a salaried professional, self-employed person, business owner, entrepreneur, student, or senior citizen, you may be qualified for a gold loan.
Tenure of the loan:
The loan repayment period for gold loans typically ranges from 6 to 24 months, and you should be able to repay the loan within this period. At indiagold, we offer repayment terms of 6 months and extendable by another 6 months.
Purity of loan:
The kind of gold that banks accept must be mentioned when discussing eligibility for gold loans. Most banks only accept gold jewellery with a purity level of 18K to 22K.
Occupation:
Another crucial element in establishing someone's eligibility for a Gold Loan is their line of work. Professionals on salaries, self-employed people, business owners, entrepreneurs, students, elders, pensioners, and housewives can all apply for the loan.
Employment type:
Salaried and self-employed each are eligible. Businessmen are more and more taking gold loans to meet their working capital requirements. In fact, housewives, senior residents who are no longer eligible for different loans due to the fact they have no profits proofs can without problems avail of gold loans.
Track record of employment:
In order to approve you for a gold loan, banks no longer consider your work or business balance. Loans for gold are given out without showing a profit. To apply for this loan, you only need to provide your basic KYC documents, which include evidence of address, identification, and an Aadhaar card.

DOCUMENTS REQUIRED FOR A GOLD LOAN IN delhi

Identity Proof
Aadhaar Card, PAN Card, Voter ID, Passport, or Driving License
Address Proof
Aadhaar Card, Voter ID, Passport, Driving License, Utility Bill (Phone/Gas/Electricity/Water/Broadband, etc.) / Lease Agreement of a local address that matches the address on your utility bill (in case your permanent address is different from your current residential address)
Form 60 or PAN Card
2 Passport size photographs

HOW TO APPLY FOR GOLD LOAN IN delhi

Getting a gold loan is a very simple process with indiagold
Step 1
Request For A Gold Loan
Apply now for a doorstep gold loan from indiagold below
Cover
Apply Now for online doorstep gold loan
Gold Loan Starting @ 0.77% Per Month*

+91

You will receive a call from our Relationship Manager
Step 2
Get Doorstep Visit by Loan Manager
Your loan application will be processed by a loan manager who will come to your home. It takes less than 30 minutes to complete the process.
Step 3
Instant Money Transfer in your Bank Account
Following the approval of your application, funds are immediately paid to your bank account. Your gold ornaments are packed and sealed in secure GPS-enabled packages right in front of your eyes.
Step 4
Gold Is Safely Stored in Secure Vaults
The loan manager safely takes your gold and places it in secure vaults after the money has been deposited into your account. The moment your gold leaves your home, it is insured and becomes our responsibility. From the indiagold app, you can close your loan or pay your EMI.

REPAYMENT OF GOLD LOAN IN delhi

Once you opt for a gold loan, you can pay back the principal and the interest in various different ways. Here are some of the gold loan repayment schemes available.
Bullet repayment:
When you take out a gold loan, you are not required to pay interest or the principal amount. Instead, you will pay both interest and principal at the end of your loan term. This is called bullet repayment because you pay the whole amount at once at the end of your loan term.
Partial repayments:
Partial payments are another way to pay back the gold loan. To suit your needs and preferences, you can make partial principal and interest payments. It is not necessary in this kind of gold repayment technique to adhere to the EMI system. With your lender, you may set up your gold loan repayment schedule online and make full or partial payments on the principal as well as interest. This is specially beneficial to business owners using gold loans for working capital requirements.
Pay off interest first:
Through this option, you can repay the interest amount as per the EMI schedule of the gold loan however the principal amount borrowed is to be paid, in full, at the time of maturity. Such an arrangement works wonders for most borrowers as throughout the loan tenure one is liable only to pay the interest and not worry about principal repayment.
Regular EMI’s:
The majority of gold loan applicants like recurring EMIs. The loan balance must be repaid by borrowers starting in the month after the month of disbursement. It is regarded as an appropriate choice for salaried individuals who have a monthly revenue flow. Both the principal and interest amounts are included in the EMI each month. Due to the monthly deductions from your account, the payback process for gold loans is quick and simple.

WHAT IS A GOLD LOAN?

A gold loan is an alternative to traditional forms of loans. First you need to know more about the fact that there are many different types of loans, but the most popular ones are traditional banking loans and mortgage loans. Nowadays, with the appearance of various other types of loans, such as personal unsecured loans and commercial real estate loans, one may wonder what is a gold loan and how it works?

Gold loans are longer-term and usually interest-free loans for small businesses. They're hard to come by, and we want to make this process easier and stress-free for you too.

The gold loan is a type of secured loan where the borrower pledges gold as collateral—including jewellery, ornaments, and coins from the bank—in exchange for a loan. Due to the fact that clients can give a gold pledge in exchange for a cash advance, it is often referred to as a gold loan.
Download our app