What is the process of applying for a loan?

indiagold offers gold loan services from various banks at rates starting at just 0.85*%. We ensure speed, convenience and privacy for all our customers. Your gold is also insured by New India Assurance Co. Ltd. STEP 1: RAISE A REQUEST AND SCHEDULE VISIT From the gold loans section of your indiagold app, click on "Apply Now" for a new loan. You would be requested to fill in your mobile number and a requested loan amount. 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 your appointment with a Relationship Manager. STEP 2: PROCESS LOAN IN 30 MINUTES The process of taking a gold loan involves assaying of your gold ornaments, KYC and filling up 1 application form. This process usually takes 30-40minutes depending on how much gold needs to be assayed. Once the form is submitted the loan amount is transferred instantly to your bank account. STEP 3: GOLD IS DEPOSITED IN VAULTS BY BANKS TILL LOAN CLOSURE 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 get 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 instalments, this gold is delivered safely back to you at your location. Give us a Miss Call on 1800-123-999-888 for any assistance or more details.

Where is your office? Which cities are you presently active in?

We are presently active in Delhi, Gurgaon, Indore, Surat, Hyderabad, Chennai, Mumbai, Pune & Lucknow. Our offices are in Delhi, Gurgaon, Indore, Surat, Hyderabad, Chennai, Mumbai, Pune, and Lucknow: Delhi Office : 2nd Floor, 10200, BLOCK -S Gururdwara Road, Naiwala, Karol Bagh Above ICICI Bank Delhi - 110005 Gurgaon Office : 5th Floor, Holly Hocks Pvt Ltd, Plot #64, Sector 44, Gurgaon, Haryana, 122002 Surat Office : Office No. 17, Ground Floor, Twin Tower, Aankur Char Rasta, A.K. Road, Surat, 395001 Indore Office : Office No. 205, Balaji Corporate House, 19/1 New Palasia, Indore, Madhya Pradesh 452001 Hyderabad Office : 4th Floor, No. 6-3-853, 854/A/M/407, Meridian Plaza, Beside Lal Bungalow, Ameerpet, Hyderabad, Telangana, 500016 Chennai Office : New No. 14/11(Old No: 124/1), Heera Panna Complex, Third Floor, Door No.12, T. Nagar, Chennai - 600017 Mumbai Mira Road Office : A-20, Dev Paradise, Bhd. Shivar, Garden, Near Kanakia Police Station, Beverly Park, Mira Road Thane - 401107 Mumbai Thane Office : indiagold, G-61, Eternity Commercial Premises Co-Op Society Ltd, Teen Hath Naka, LBS Marg, Thane (West), 400604 Pune Katraj Office : S.NO.-7 Plot no. X+A1, Shop No-16, Ground Floor, Yogiraj Dev, Kadam Plaza, Pune- 411046. Pune Bhosari Office : SR.NO. 690/3/18, Gavhaneswastinir Bhagyalaxmi Apts. Bhosari Pune 411038 Lucknow Office : 827/3 Shop No.2 Lower Ground Floor, Basant Tower Alambagh Lucknow Uttar Pradesh 226005 Please give us a missed call at 1800-123-999-888 for any assistance or more details.

What documents should I submit for a loan?

Please provide the following documents to kick-start your loan: An Identification Proof such as Aadhaar Card, PAN Card, Voter ID, Passport or Driving License 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) PAN Card or Form 60 Your photograph Please give a Miss Call on 1800-123-999-888 for any assistance or more details.

How long does it take to sanction a gold loan?

It takes only 30 mins for the loan amount to be transferred to your bank account.

Your Business Deserves to Grow

Fund It Instantly with a Gold Loan

Quick Funds

No credit hassles

Minimal documentation

Instant disbursal

Leave your mobile number and we will call you back

or call us at 1800-123-9999

Empowering Entrepreneurs with Quick, Hassle-Free Business Loans

Financial constraints should not pose a challenge to building or scaling your business. At IndiaGold, we make it easy for the highly motivated lot like entrepreneurs, traders, shop owners, and self-employed professionals to access instant funds using gold they already own!

In contrast to traditional business loans, gold loans offer quick liquidity with minimal documentation, quick processing times, and a smoother loan journey!

Whether you're starting a new venture, managing working capital, or planning an expansion, IndiaGold's Business Gold Loan is your perfect partner.

Is a Business Gold Loan Right for You?

Gold loans are an extremely versatile form of financing, which can benefit a large set of people. Following applicants can greatly benefit from a gold loan:

Small Business Owners

For funding daily operations or business expansion.

Startups & New Entrepreneurs

Quick access to funds without needing collateral like property.

Retailers, Wholesalers, Traders

Manage stock, inventory, and supply chain finances.

Professionals & Service Providers

Doctors, lawyers, consultants upgrading their services.

No matter your business size or type, if you have gold, you have capital ready to use.

Gold Loan Calculator

Estimate how much loan you can get against your gold

STEP 1

Enter gold weight

grams

Smart Reasons to Choose a Gold Loan Over Other Options

WE VALUE YOUR GOLD

Why choose

indiagold provides gold loans across India

Instant Approval

Funds disbursed within hours.

High Loan Value

Unlock up to 75% of your gold's value

No Income Proof Needed

Perfect if you are just starting out

Flexible Repayment

Pay as per your business cash flow

No Impact of Credit Score

No CIBIL score dependency

Lower Interest Rates

Compared to unsecured business loans

Secure & Insured Gold Storage

Peace of mind for your valuable asset

Use Your Gold Loan to Power Every Business Need

Working Capital

Pay salaries, vendors, and rent without stress.

Stock & Inventory

Restock in bulk and leverage discounts.

Renovation & Upgrades

Refresh your office, shop, or restaurant.

Marketing & Promotion

Advertise your brand and acquire more customers.

New Branch or Expansion

Take the next step toward scaling up.

Get Your Business Funded in 3 Simple Steps

Apply Online

Fill in your basic details

Gold Evaluation

Schedule at-home evaluation or visit a center.

Get Instant Disbursal

Money transferred directly to your account.

Safe doorstep gold pickup and insured storage with indiagold.

Documents Needed for a Business Gold Loan

Identity Proof

Aadhaar, PAN Card, Passport, or Voter ID

Address Proof

Aadhaar, Utility Bill, Passport

Optional Business Proof

GST Certificate, Business License (for larger loans)

That's it — no financial statements, no lengthy verifications!

Schemes to Choose From

Rebate Scheme

Get rewarded lower rate of interests on regular payments.

Flat Scheme

Get a flat interest for your loan.

Low ROI and Low PF Scheme

Get lowest interest or processing free

ENTREPRENEURS TRUST INDIAGOLD FOR BUSINESS FUNDING

indiagold Advantage

Fastest loan approval and disbursal

This can prove to be imperative in cases where the borrower requires urgent funding especially for entrepreneurs.

100% secured and insured gold storage

You can be rest assured, your gold is safe with IndiaGold!

Transparent, low interest rates

If you need a loan for MSME business, then gold loans are a fantastic option. These offer interest rates starting at just 0.85% per month.

Doorstep service in multiple cities

The customer centricity is unmatchable!

Customer-first policies

Policies such as low interest rates, quick processing times, and home pick-up highlight customer centricity of the highest order!

Gold Loan vs Business Loan vs Credit Card Loan

GOLD LOANS

Interest Rates

Starting at just 0.85%* per month!

Ease of Securing

Gold loan application is often quick and hassle free, with approval in minutes!

Repayment

Easy and flexible repayment, allowing the borrower to repay as per convenience

BUSINESS LOANS

Interest Rates

Interest rates for business term loans range between 10% - 30% per annum and is subjective to applicant's business health, income, and credit history

Ease of Securing

Online business loan application is often time consuming process requiring a host of documents, and stringent credit requirement

Repayment

Rigid repayment schedule with little room for flexibility

CREDIT CARD LOANS

Interest Rates

Typically ranges between 3% and 4% per month; high hidden charges

Ease of Securing

Credit card application is subjected to applicant's credit history, income, and can take couple of weeks to process

Repayment

Easy repayment, but can attract charges if time exceeds stipulated repayment date

	GOLD LOANS	BUSINESS LOANS	CREDIT CARD LOANS
Interest Rates	Starting at just 0.85%* per month!	Interest rates for business term loans range between 10% - 30% per annum and is subjective to applicant's business health, income, and credit history	Typically ranges between 3% and 4% per month; high hidden charges
Ease of Securing	Gold loan application is often quick and hassle free, with approval in minutes!	Online business loan application is often time consuming process requiring a host of documents, and stringent credit requirement	Credit card application is subjected to applicant's credit history, income, and can take couple of weeks to process
Repayment	Easy and flexible repayment, allowing the borrower to repay as per convenience	Rigid repayment schedule with little room for flexibility	Easy repayment, but can attract charges if time exceeds stipulated repayment date

Have any questions?

We understand its your gold, so we have thought this through!

India’s Safest Gold Loan App

4.7

23.5K+ Reviews

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Singh Laxman

Nov 6, 2024

Switched from Muthoot to indiagold and saved ₹9400 per month. Great app!

Madesh N Nadar

Nov 3, 2024

Wonderful service! I only needed to show my ID proof. The entire process was smooth and efficient. I really appreciated the service they provided.

Shiva Rastogi

Nov 2, 2024

Great app. It has extremely simple procedure to take loan with minimum documentation and less paperwork and low interest rates. its really great to have this amazing app.

Book an appointment

Appointments at your convenience

Leave your mobile number and we will call you back

or call us at 1800-123-999-888