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Against Your Gold

Gold Loans at 7.5% p.a.

Up to ₹1 Crore. Instant approval in 30 minutes. No CIBIL score required. Highest LTV on your gold.

₹1 Crore
Max Amount
7.5% p.a.
Interest Rate
30 Minutes
Disbursal
Not Required
CIBIL Score
Apply Now
KEY BENEFITS

Why Choose Gold Loans

⚡

Funds in 30 Minutes

Walk in with your gold, walk out with cash. 30-minute disbursal guaranteed.

💰

Highest LTV on Gold

Get up to 75% of your gold's current market value as loan amount.

🔒

Gold Stored Safely

Bank-grade secure vaults. Fully insured. Returned in perfect condition on repayment.

📅

Flexible Repayment

Pay monthly EMI, interest-only, or bullet repayment at end of tenure — your choice.

🎯

No CIBIL Required

Fully secured against gold. Credit score is not a barrier — anyone can apply.

🔄

Part-Release Option

Repay partially to release a portion of your gold. No need to close the full loan.

INTEREST CALCULATOR

Plan Your Gold Loan

₹5.0L
₹10K₹1Cr
1 Year
1 Yr3 Yrs
Monthly EMI
₹43,379
Interest
₹20,545
Total
₹5,20,545
Apply for This Loan
ELIGIBILITY

Who Can Apply?

Applicant
Any Indian resident above 18 years of age
Gold Type
Gold jewellery 18–22 karat; gold coins accepted by select lenders
Min Gold
Minimum 10 grams required
CIBIL Score
Not required — fully collateral-backed loan
Income Proof
Not mandatory for most gold loan products
Documents
Only Aadhaar & PAN for KYC
DOCUMENTS

What You'll Need

🪪Aadhaar Card
🪪PAN Card
📸Passport-size photograph
💍Gold jewellery / ornaments to pledge
📄Ownership proof (if available)
📍Address proof (if Aadhaar differs)
HOW IT WORKS

Cash in 30 Minutes

01
Apply Online / Visit
Apply digitally or go to the nearest partner branch with your gold.
02
Gold Appraisal
Expert appraiser assesses purity and weight of your gold on-site.
03
Loan Offer
Loan offer issued based on appraised gold value — up to 75% LTV.
04
KYC & Agreement
Quick Aadhaar + PAN KYC. Sign the agreement digitally or in person.
05
Cash in 30 Minutes
Funds credited to your account or issued as cash within 30 minutes.
FAQ

Gold Loan FAQs

Gold jewellery of 18–22 karat purity is accepted. Gold coins up to 50 grams are accepted by select lenders. Gold bars and digital gold are generally not accepted.

Loan = Gold Weight (grams) × Current Gold Rate × Purity Factor × LTV (up to 75%). For example, 50g of 22K gold at ₹6,000/g = max loan of ₹2.25 Lakhs at 75% LTV.

Yes. All gold is stored in bank-grade secure vaults with full insurance coverage. Returned to you the moment you repay the loan.

If you default, the lender may auction your gold after a 30-day notice period. CapitalFlax proactively helps you restructure before any such action.

Yes. Most lenders offer partial release — repay a portion of principal to get back proportional gold without closing the full loan.

No. Gold loans are fully secured against physical gold. CIBIL score is not a criterion — even people with poor credit history can get a gold loan.

Turn Your Gold Into Instant Cash

₹1 Crore | 7.5% p.a. | 30-Min Disbursal | No CIBIL Required

Apply Now