Effortlessly Meet Your Financial Needs with Our Quick and Easy Gold Loan Services!



Secure your Gold Loan with transparent terms, ensuring quick approvals and no hidden fees, providing a prompt financial solution tailored to your needs.


Gold Loan Features

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Apply with PAN or Aadhaar Card.

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Loan in just 15 minutes.

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Loans starting from Rs.5,000.

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Multiple repayment options.

Features and Benefits of our Gold Loan


  • Collateralized Loan: Secured by gold assets..
  • Fast Processing: Quick approval and disbursement.
  • Adjustable Loan Amount: Determined by the value of the pledged gold.
  • immediate Access:Obtain funds rapidly without selling gold.
  • Reduced Interest Rates: The secured nature results in favorable rates.
  • Flexible Usage: No limitations on the utilization of loan funds.

Requirements for Gold Loan and Necessary Papers

Explore the essential criteria to be eligible for our Gold Loan.

Eligibility Criteria for Gold Loan


  • Borrowers generally need to be at least 18 years old.
  • The gold being pledged must be owned by you.
  • The gold must conform to the lender's purity criteria.
  • A valid government-issued identification is required for verification.

Necessary Documents for Gold Loan Application


  • Proof of Identity and Signature
  • Voter Identification Card
  • Passport Document
  • Aadhaar Identification
  • Driver's License
  • PAN Identification
  • Government Employee ID Card
  • Proof of Residential Address
  • Rental Agreement
  • Bank Account Statement
  • Voter Identification Document
  • Passport Booklet
  • Driver's Permit
  • Utility Bills (Phone/Electric/Water/Credit Card/Property Tax)
  • Two Post-Dated Checks for Security
  • Passport-Sized Photos

How to Apply for Gold Loan at SLNFinserv?

To apply for a gold loan, you can adhere to these typical steps. Note that the exact procedure may differ based on the lender and your location. Here are a few points to remember before applying for a gold loan:

Gold Loan EMI Calculator

How is Gold Loan EMI Calculated?
Gold Loan EMI is calculated using the following Compound Interest formula:

$$ \text{EMI} = \frac{P \times r \times (1 + r)^n}{(1 + r)^n - 1} $$


Where:

EMI = Equated Monthly Installment

P = Gold Loan principal amount

r = Monthly interest rate (Annual interest rate divided by 12, expressed as a decimal)

n = Gold Loan tenure in months

Gold Loan FAQs

What is a gold loan?
A gold loan is a secured loan where gold jewelry or ornaments are pledged as collateral to avail funds from a lender.
How much loan can I get against my gold?
The loan amount typically ranges from 60% to 80% of the market value of the gold pledged.
What documents are required to apply for a gold loan?
Generally, documents such as identity proof, address proof, and proof of ownership of gold are required.
What happens if I fail to repay the gold loan?
In case of non-repayment, the lender may auction the gold to recover the loan amount.
What are the interest rates for gold loans?
Interest rates for gold loans vary but are generally lower compared to other types of loans, typically ranging from 7% to 29% per annum.
Can I get my gold back after repaying the loan?
Yes, once the loan along with interest and other charges is fully repaid, you can retrieve your pledged gold from the lender.
What happens if the gold's market value changes during the loan tenure?
The loan amount is typically based on the initial market value of the gold at the time of loan disbursal. Any increase or decrease in value generally does not affect the loan terms.
Are there any prepayment charges for gold loans?
Many lenders do not impose prepayment penalties on gold loans, allowing borrowers to repay the loan before the tenure ends without additional charges.