Apply Gold Loan Online & Get High-Value

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Fast, Secure and Paperless gold loan for your various needs

  • max loan amount on gold
    Max Loan Amount
    Upto ₹40 Lakhs
  • Maximum tenure
    Max Loan Tenure
    Upto 84 months*
  • lower interest rates
    Lower Interest Rates
    Starting from 11% p.a.
gold loan
INR 500 /-
Web Online CA Fee
28-Feb-2025
Complete By*
Web Online CA is the largest and most trusted digital services platform

What is Gold Loan and How does it work?

A gold loan is a secured loan category when you keep your gold ornaments or coins as a collateral to borrow money from a lender. The lender offers lower interest rates due to the collateral or security against this loan. The amount sanctioned as the loan is generally a certain percentage of the total cost of the gold's market value. Once you repay the entire loan on time with interest, the gold is returned in the same state as you first deposited them at the time of taking the loan. Gold loans are generally offered for a fixed period of 6 months to 12 months.

gold loan

Features and Benefits of Gold Loan

  1. No income documents
  2. Maximum loan amount 75% of the value of gold
  3. No hidden charges, complete transparency
  4. Free insurance of gold
  5. Pre payment option with no penalty
  6. Easy application process
  7. Lower interest rates
  8. No restriction on funds usage
  9. Super quick Disbursal
  10. Complete gold safety
features and benefits of gold loan

Need Assistance?

customer support
Customer Support

+91 7413 826826

get in touch
Get in touch

support@webonlineca.com

Gold Loan Eligibility Criteria

Anyone can apply for a gold loan, you need to meet the below criteria

  1. Nationality: Resident Indian
  2. Age: 21 to 70 years
  3. Gold purity: 18-22 karat
  4. Employement: Salaried, Non-Salaried, Self-Employed individuals
  5. Credit Score: A CIBIL score of 750 or above improves your chances of approval
Apply Now
gold loan eligibility criteria
Maximum tenure

Maximum tenure

Low interest rates

Low interest rates

full digital

100% digital

Maximum gold loan

Upto ₹40 Lakhs

Document required for Gold loan

Make your application process smooth by keeping these documents handy:

  1. KYC documents: Any one of the following documents can be submitted
    1. PAN Card
    2. Aadhaar card
    3. Passport
    4. Driving license
    5. Election / Voters identification card, NREGA Job card signed by the officer of the State Government
    6. One Passport Size Photograph

How to apply for a Gold loan online

Make your application process smooth by keeping these documents handy:

  1. Fill a simple online gold loan application form
  2. Fill your basic details such as name, mobile number, occupation type and gold details
  3. Submit the required documents
  4. Once done, you will receive a call from our team and guide you on the next steps
  5. Once the gold is evaluated and your document verification is done. The amount 75% of your gold's value as loan is disbursed in your account
Apply Now
Quick approval

Quick Approval

No hidden charges

No hidden charges

Collateral free

Collateral free

Minimum documents

Minimum documents

FAQs About Gold loan

What is a Gold Loan?

A loan taken against your gold or jewellery when you keep it as a collateral is known as a Gold Loan.

Who is eligible to get a Gold Loan?

An Indian Resident between the age of 21 and 70 years and having gold jewellery of 18-22 karat is eligible to apply for a Gold Loan.

When should I apply for a Gold Loan?

You should apply for a Loan against Gold when you need money for a specific planned or unplanned expenses. You can apply online using the simple application form on the Web Online CA website.

How to get a gold loan?

  1. Fill a simple online gold loan application form
  2. Fill your basic details such as name, mobile number, occupation type and gold details
  3. Submit the required documents
  4. Once done, you will receive a call from our team and guide you on the next steps
  5. Once the gold is evaluated and your document verification is done. The amount 75% of your gold's value as loan is disbursed in your account

What happens if I don't pay the gold loan back?

Failure to repay the gold loan the lender will send reminders about overdue payments through calls, emails, or letters to intimate the borrower regarding EMI payment. After a fixed period the lender will issue a formal notice. After the notice period, the lender proceeds to sell or auction the gold ornaments and repay the loan amount. The lender may take legal action to recover any remaining balance if the gold’s auction value does not cover the full loan amount.

How do I repay the Gold loan?

You can repay the loan against Gold through easy monthly installments, quarterly, half-yearly, or annual basis as per your convenience.

Can I foreclose or prepay my Gold Loan?

Yes, you can foreclose or prepay your Gold Loan with charges of 1% + GST if closed within 6 months and nil foreclosure charges if closed after 6 months of applying for Loan against Gold. Timely or early repayment improves your credit profile.

Can I get gold back after repaying a gold loan?

Yes, Once the loan amount, including any accrued interest and charges, is paid off, the lender will release the pledged gold to the borrower.