What you need to know
Gold loans need minimal paperwork because the gold is the security. KYC is compulsory; PAN and income proof are needed for larger amounts.
Documents checklist
- Photo ID: Aadhaar, passport, voter ID or driving licence
- Address proof (if different)
- PAN card or Form 60
- Two passport-size photographs
- Income proof for EMI loans or loans needing repayment-capacity assessment
- Land/crop documents for agri gold loans
- Purchase bills or ownership declaration if the lender asks
What you receive
- Pledge receipt / packet slip with item-wise gross and net weight and purity
- Loan agreement and Key Facts Statement with APR
- Repayment schedule
Frequently asked questions
Is PAN compulsory?
Most lenders require PAN above a threshold (often ₹5 lakh); some ask for it on all loans.
For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.