Who is eligible for a Gold Loan?

Any individual aged 18 or above who owns eligible gold jewellery or ornaments and can provide valid identity and address proof can apply for a gold loan.

What documents are required to apply?

Any one valid identity proof (Aadhaar, PAN, passport, voter ID, or driving licence) along with an address proof is sufficient to apply.

When should a customer apply for a Gold Loan?

A gold loan is a good option whenever a customer needs quick funds without going through a lengthy approval process — for medical needs, business expenses, education, or any personal requirement.

What happens if a Gold Loan is not repaid?

If the loan isn't repaid within the agreed tenure, the pledged gold may be auctioned by the lender to recover the outstanding amount, as per the loan agreement.

How is the Gold Loan repaid?

Repayment can be made through EMIs, bullet repayment (interest paid periodically, principal at the end), or an overdraft facility — whichever suits the customer's cash flow.

Gold Loan & Digital Gold

Unlock the Power of Gold.

Offer your customers instant gold loans with minimal documentation or help them start investing in 24K Digital Gold from as little as ₹10. Earn attractive commissions on every successful transaction while expanding your shop's income.

Attractive Interest Rates
No Foreclosure Charges on Small Loans
Quick Disbursal, Minimal Paperwork

Become Merchant

Instant Gold Loan

Quick approval with minimal paperwork.

Invest in 24K Digital Gold

Start investing anytime with small amounts.

Earn Commission on Every Transaction

Generate additional income from every successful service.

Cashlo Gold24K

YOUR GOLD BALANCE

0.000 g

Start from ₹100 · 24K, 99.9% pure

Vault insured

Sell anytime

Buy digital gold

Backed by insured, audited vaults

LIVE 24K RATE

₹7,412 / g+0.8%

CREDITED TO BANK

₹2,00,000Instant

Why Cashlo

Why Choose Our Gold Loan?

Unlock high-value liquidity backed by bank-grade security, instant credit, and total flexibility over interest costs.

Fast Processing

Instant Disbursement in 3 Minutes

Funds credited directly to your bank account as soon as your gold valuation and digital KYC are completed.

Gold Valuation

Instant KYC

₹1,50,000 Credited

100% Secure & Insured

Your gold is locked in high-security bank vaults with end-to-end insurance protection until final loan repayment.

Bank-Grade Vault Storage

100% Insurance Coverage

Smart Overdraft Facility

Withdraw only what you need, whenever required. Pay interest strictly on the active utilized amount.

Approved Limit₹2,00,000

Used: ₹50,000 (Interest Paid)Zero Interest: ₹1,50,000

100% Usage Freedom

Multipurpose Loan

No restrictions on end-use. Utilize funds seamlessly for business capital, medical emergencies, education, or personal expenses.

💼Business Expansion🏥Medical Emergency🎓Education Fees📈Working Capital✨Personal Expense✈️Travel & Events

Know Before You Pledge

Gold Loan Calculator

Find out how much your customer could borrow against their gold, instantly.

Enter Gold Details

Purity

Weight (grams)

grams

*Indicative rate: ₹10,783/g for 24K gold. Final valuation happens at the point of pledge.

Estimated Gold Value

₹5,39,150

Eligible Loan Amount (up to 75%)

₹4,04,363

Lowest Interest Rate Guarantee

Maximum Value with Unbeatable Gold Loan Rates

Empower your financial needs with transparent pricing, instant approval, and flexible monthly interest options designed for maximum savings.

Instant Approval in 30 Mins

Zero Hidden Charges

Flexible Tenure (3–24 mos)

Rates Starting From

11.91%* p.a.

Equivalent to ~0.99% monthly interest

Calculate EMI

*Standard terms & conditions apply. Rates subject to gold purity & loan amount.

Everything You Need to Know

Loan Benefits & Features

Loan Benefits

Offerings: Term Loan, Overdraft, and Bullet repayment options available.

Interest Rates: Competitive rates on Term Loan, Overdraft, and EMI-based repayment.

Tenure: Gold loans available for tenure ranging from 6 to 42 months.

Get Started

Documents Required

Any one of the following is enough for identity and address verification.

Identity Proof

Valid Passport
Valid Driving Licence
Voters' ID Card
Aadhaar Card issued by UIDAI
PAN Card or Form 60

Address Proof

Valid Passport
Valid Driving Licence
Voters' ID Card
Aadhaar Card issued by UIDAI
Recent Utility Bill

Comprehensive Guide

More About Gold Loans

Explore how gold loans work, understand RBI-backed valuation methodology, or start building gold savings effortlessly with 24K digital gold.

High Loan Value

Unlock maximum liquidity backed by up to 75% of your gold’s true market value, as per RBI guidelines.

Up to 75% LTV Ratio

Flexible Repayments

Choose from Bullet repayment, monthly interest EMI, or overdraft options tailored to your cash flow.

3–24 Month Tenures

Quick Disbursement

Minimal documentation and instant digital verification get funds deposited directly into your bank account in 30 mins.

30-Min Fast Approval

Vault Security & Zero End-Use Limit

Your pledged gold is stored in bank-grade secure vaults with 100% insurance. Use your loan for medical, business, or personal needs.

100% Insured Storage

Have questions about your gold valuation?

Our certified appraisers offer free doorstep or branch evaluations.

Talk to an Expert

FAQs

Frequently Asked Questions

A loan taken against gold or jewellery is known as a gold loan. The customer hands over their gold in return for a specific amount, offering a quick and straightforward way to obtain funds with minimal documentation and flexible tenure.