Gold Loan for Home Renovation & Construction
Fast & Easy Financing
or call us at 1800-123-9999
Helping People Build Their Dream Home with indiagold Gold Loans!
Gold loans are an easy way to finance your urgent needs in a cost effective way. Compared to traditional financing products, gold loans offer unmatchable convenience, and quick financing. Gold loans over the past couple of years have become borrowers’ go-to method of financing to fund both emergency as well as lifestyle requirement
Rising costs of home renovation : Home renovation has become exponentially expensive over the last couple of years. This is because of ever evolving designs, high tech materials used for renovation projects, and customers’ want to use products of highest look and quality irrespective of the place of origination/production i.e. internationally available products.
Gold loans as a quick and reliable funding source : Gold loans offer quick and affordable financing to fund urgent needs. These loans when compared to other loan counterparts are extremely easy to avail, and involve minimal documentation, and processing times and are cost effective in the sense that these loans have low interest rates and offer easier repayment.
Who Should Apply?
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:
Home Owners Looking to Renovate
For funding expenses related to do necessary improvements and even remodelling of home!.
Aspiring home Owners to Build a new Home
: Quick access to funds to be able to build new homes from ground up or even fund flat purchase.
No matter your house 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
Why Choose a Gold Loan for Home Renovation?
WE VALUE YOUR GOLD
Why choose
indiagold provides gold loans across India
Instant approval and cash availability
Home renovation often requires quick money injection, and having capital availability at any given time especially for an extensive renovation may not be possible. Hence, it is imperative to have a source from where quick money can be arranged. Conventional loans like personal loans may not be as productive citing the fact that these loans take multiple days just to assess if you’d qualify or not. This is where gold loans can prove to be super useful, as gold loans provide instant approval and quick cash availability which is perfect for urgent capital requirements in case of home renovation.
No credit history required
Gold loans are backed by gold collateral, this covers the lenders’ risk exposure which otherwise is assessed by taking credit history into account. Hence, all that a borrower needs to avail a gold loan is gold in enough quantity and not credit history or a high credit score. This is particularly useful for the individuals who have no or bad credit history
Lower interest rates than unsecured loans
Unsecured loans pose a high risk exposure to the lenders. To cover the risk undertaken with lending to a borrower, interest rates rise exponentially, as risk and returns are directly proportional. This is not the case with gold loans, as the risk is mitigated with the gold collateral given by the borrower. This enables the lenders to offer low interest rates on gold loans. Lenders like indiagold offer low interest rates on their gold loan offering. As low as 0.85%* per month!
High Loan Value
Unlock up to 75% of your gold’s value, essentially enabling you to get maximum gold loan amount i.e. utilize your gold collateral to the fullest extent!
Flexible Repayment
Pay as per your convenience
Tips for Using a Gold Loan Wisely
Borrow only what you need
This is a top recommended tip from every financial advisor, one should always borrow responsibly and only the amount that they actually need. Borrowing more than needed can essentially put the borrower into financial distress as it poses challenges such as skipped repayments, additional costs such as penalties etc, and decreases overall financial health of the borrower.
Plan repayment to avoid losing your gold
While availing a loan, one should plan their repayments to ensure that they are in a position to comfortably pay off the liability. Inefficient repayment plans can hamper the financial position, and risk of losing gold.
Choose trusted lenders with transparent terms
It is essential to always choose trusted and reliable lenders. Doing so can help with much required peace of mind as the borrower essentially gives their gold as a collateral. Lenders like indiagold are highly regarded in the industry offering secure gold storage to keep borrowers in peace while offering best gold loan offers for home improvement.
Get Your Home 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 Home 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!
Why do customers trust indiagold for loans for home construction and renovation
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 Personal Loan vs Home Loan
GOLD LOANS
Interest Rates
Starting at just 0.85%* per month!
Ease of Securing
No property documents needed: minimal paperwork and processing time—only pledged gold as collateral. Accessible for self-employed or informal earners.
Repayment
Flexible, with easy EMI options; repay according to cash flow without lengthy credit checks.
PERSONAL LOANS
Interest Rates
10.30% - 22.00% p.a., subject to credit score and income.
Ease of Securing
Unsecured but requires strict credit‐history evaluation and income proofs—processing can take several days.
Repayment
Fixed EMIs over 1–5 years; missing payments incur penalties and leave little room for flexibility.
HOME LOANS
Interest Rates
10.0% - 12.50% p.a., starting at competitive rates.
Ease of Securing
Requires property documents, income proofs, and extensive credit appraisal—lengthy approvals.
Repayment
Long‐tenure EMIs (up to 30 years) with low flexibility; prepayment possible but may attract charges.
| GOLD LOANS | PERSONAL LOANS | HOME LOANS | |
|---|---|---|---|
| Interest Rates | Starting at just 0.85%* per month! | 10.30% - 22.00% p.a., subject to credit score and income. | 10.0% - 12.50% p.a., starting at competitive rates. |
| Ease of Securing | No property documents needed: minimal paperwork and processing time—only pledged gold as collateral. Accessible for self-employed or informal earners. | Unsecured but requires strict credit‐history evaluation and income proofs—processing can take several days. | Requires property documents, income proofs, and extensive credit appraisal—lengthy approvals. |
| Repayment | Flexible, with easy EMI options; repay according to cash flow without lengthy credit checks. | Fixed EMIs over 1–5 years; missing payments incur penalties and leave little room for flexibility. | Long‐tenure EMIs (up to 30 years) with low flexibility; prepayment possible but may attract charges. |
We understand its your gold, so we have thought this through!
India’s Safest Gold Loan App
4.7
23.5K+ Reviews
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.
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or call us at 1800-123-999-888