What you need to know
Most gold loans are sanctioned the same day. Many lenders also offer doorstep service and online top-ups.
Steps
- Choose lenderCompare rate, LTV and repayment options.
- Carry gold + KYCBranch or doorstep appointment.
- ValuationPurity test and net weight in your presence.
- Sign KFS and agreementCheck APR, charges, repayment and auction clauses.
- DisbursalCredited to your bank account.
Frequently asked questions
Can I apply fully online?
You can apply online, but the gold must be valued physically at a branch or at your doorstep.
For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.