Gold Loan
A gold loan lets you borrow against jewellery you already own, with your gold held securely until repayment. Terms below are explained in general terms only — final rates and limits are confirmed in person and pending client/legal approval.
How gold-backed lending works
Instead of an unsecured loan, you offer gold jewellery as security. Once your gold is valued and documentation is complete, funds are made available, subject to eligibility, documentation, company policy, and applicable regulations.
What members can expect
Key features of our gold loan service, drawn from our own corporate profile and branch marketing.
- Fast loan processing
- Transparent procedures
- Professional gold valuation
- Secure gold custody
- Clear loan terms
- Customer-friendly service
- Repayment monitoring
- Doorstep gold loan service in select areas — our team can come to you
- Gold loan balance transfer from other banks or financial institutions, often at improved value
- Interest calculated only for the number of days your loan is actually held
Step-by-step process
Enquire
Submit an enquiry online, by phone, or by WhatsApp.
Visit the branch
Bring your jewellery and ID documents for in-person valuation.
Valuation
Our team assesses your gold using documented procedures and explains the outcome.
Documentation
Complete the required paperwork; terms are confirmed in writing.
Disbursal
Funds are disbursed per company policy after documentation is complete.
Repayment or renewal
Repay per the agreed schedule, or discuss renewal terms with our team.
Documents you may need
The following are accepted as standard identity and KYC documents. These are verified in person at the branch — we never collect or upload them through this website.
- Aadhaar card
- PAN card
Valuation and custody
Jewellery is valued in person by our branch team and held securely for the duration of the loan, following our internal custody procedure.
Repayment and renewal
Repayment and renewal terms are explained clearly and confirmed in writing when your loan is disbursed. Our branch team is happy to discuss flexible renewal options as your loan comes due.
Charges and terms
Indicative interest rates for our gold loan range from 16% to 20% per annum for a 6-month tenure. The exact applicable rate, along with any processing charges, is confirmed at the branch based on the loan amount and scheme selected, and is subject to eligibility, documentation, company policy, and applicable regulations.
Frequently asked questions
Ready to enquire about your gold loan?
Reach out and our Perambra team will walk you through eligibility, documents, and next steps.