Get a fast and easy Gold Loan with minimal documentation and zero commission with Legal251!

Gold Loan EMI Calculator

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Get a fast and easy Gold Loan with minimal documentation and zero commission with Legal251!

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What is a Gold Loan?

Gold Loan is a secured loan you can avail yourself of by pledging your gold valuables against a specific sum you require as a loan. Gold Loan is currently trending in the Indian loan sector. In India, most people own gold which is also considered a symbol of success and fortune. You can take benefit of the best locked-in value of your gold assets and ornaments by pledging them to a bank or NBFC against a loan with an array of attractive Rates of Interest.

Gold Loan is the fastest way to get a loan due to its demand for minimal documentation and a smooth process. You can keep your gold ornaments as well as gold coins as collateral. You can take a gold loan for a short duration according to your needs. The lender devices the repayment process and EMIs according to the borrower's requirements.

Loan Eligibility

Gold Loan Eligibility Criteria

As a borrower, you do not need any weighty eligibility criteria to avail of a gold loan from our banking partners. Below are the minimum eligibility criteria for borrowing a gold loan:

  • The borrower should possess gold.
  • The gold ornament or coin you wish to keep as collateral should be above 18 Carats.
  • The borrower should have a stable income to repay the loan on time.
  • The borrower should have an excellent CIBIL score.

Rate Of Interest

Gold Loan Interest Rates

The Rate of Interest on gold loans availed by pledging gold as collateral is lower than other types of loans. And many banks offer special lower interest rates if they opt for a gold loan. Banks keep the gold as collateral and, in return, disburse the loan amount in a few hours.


Documents Required for Gold Loan

Here's the list of documents needed for the Gold Loan:

  • Two post-dated cheques for security purposes
  • Signed and filled Gold Loan Application Form
  • Passport-size photographs

Identity and signature proof

Voter ID


Aadhaar Card

Driving License

PAN Card

Employee Identity Card (in case of government employees)

Address Proof

Rent Agreement

Aadhar Card Bank Statement

Voter ID Card

Aadhar Card Passport

Driving License

Telephone/Electricity/Water/Credit Card bill or Property tax.

Don't have all these documents?
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*Other documents might be required additionally by the department

Balance Transfer

Gold Loan Balance Transfer and Top Up

A top-up loan on your new car loan directs to a top-up facility available on your current car loan. Therefore if you have availed of a car loan from a lender and need auxiliary funds for expenditures of different kinds, you can take a top-up loan on your existing car loan. This facility instantly processes your top-up request for fast and instant approval and disbursal of your additional funds. Some lenders may offer you up to 150% of your car loan value, which may differ from lender to lender.

This setup means you don't have to transfer your existing car loan to a new lender who offers you a top-up and a balance transfer. It will help you save time and energy, as you don't have to make additional loan applications for new funds. This one-stop solution enables you to access funds in the form of a top-up loan on your existing car loan without searching for a new lender. Talk to Legal251 for offers related to new car loans with top-up facilities, where we can offer you a range of car loan solutions in collaboration with our widely known banks and NBFCs. To get your New Car Loan Top Up offers, you can have a chat, send an email, or call us at 77287729.


Gold Loan is a loan a person secures against gold ornaments or Bank coins acceptable per RBI guidelines, which a customer pledges with the Bank. You can utilize the loan amount for your personal/business & any other non-speculative purposes. It's a loan you can avail of quickly and easily instead of going to a Pawnbroker with a higher interest rate.
To obtain a gold loan, you don't have to be an existing bank customer. However, it is recommended to open a savings bank/current account facility with the Bank while availing of the gold loan to enjoy banking services offered by the Bank and assist them regarding servicing the loan conveniently.
You or your family can avail of the Minimum Loan amount of Rs. 20,000/- Maximum Loan Amount of Rs. 1,50,00,000/- at any time at the discretion of the Bank.
While availing Gold Loan, No Guarantor is required. However, for further information, we suggest you connect the bank professionals as they will guide you regarding the terms and conditions.