How much loan can I get on gold?
The amount for a loan against gold depends on factors such as the purity of the gold, its weight, and the prevailing market rates. We offer a certain percentage of the gold's value as the loan amount. You can use our online gold loan calculator or visit our branch to get an estimate based on the current market conditions.
What happens if a gold loan is not paid?
If a gold loan is not repaid within the specified tenure, one should communicate with the lender about gold loan repayment challenges as they may offer alternative solutions to help you manage the loan effectively. The lender has the right to auction the gold to recover the outstanding amount. Hence, timely communication is important to avoid such a scenario.
What documents are required for a gold loan?
The documentation required to apply for a gold loan is generally minimal. You would need to provide proof of identity, address, and the purity and weight details of the gold being pledged. A government-issued Aadhaar card is mandatory as address proof to apply for a loan against gold. Our representatives can guide you through the specific document requirements.
Is it easy to get a gold loan?
Yes, obtaining a gold loan is usually a straightforward process. The loan is secured against the gold you pledge, making it less dependent on your credit history. The approval process is quicker compared to unsecured loans, and minimal documentation is required. Visit our nearest branch or apply for a gold loan online to experience the ease and efficiency of our services.
What is a gold loan?
A gold loan is a secured loan where you pledge your gold as collateral and receive funds against its value. Because the loan is backed by gold, it depends less on your credit history than an unsecured loan does. At Capri Gold Loan, we let you put your gold to use when you need funds.
Is my gold insured during a gold loan?
Yes. Capri Loans offers 100% insurance on gold. Your gold is fully insured for the period of your gold loan, which gives you added comfort when you pledge it.
How is my gold stored under a Capri gold loan?
Capri Loans keeps pledged gold in AI-powered vaults with 24x7 CCTV. Safety is the first thing most people ask about before taking a gold loan, and secure storage is one of the main features of the Capri gold loan.
What is bullet repayment on a gold loan?
With bullet repayment, you pay the interest on the agreed schedule and repay the principal at the end of the tenure. Capri Loans offers bullet repayment on its gold loan, so your principal stays untouched until the end of the tenure.
How does the Capri gold loan calculator work?
The calculator multiplies your gold weight by the gold rate and the purity of your gold, then applies the loan-to-value limit to show your eligible gold loan amount. It gives you an estimate before you apply for a gold loan.
What gold purity does Capri Loans accept for a gold loan?
Capri Loans accepts gold of 18K, 19K, 20K, 21K and 22K purity. The purity of your gold affects its value, and so it affects the gold loan amount you can get.
What weight of gold can I pledge for a gold loan?
You can pledge gold from 0.1g up to 1,000g for a Capri gold loan. 1,000g is the maximum limit set by the RBI.
What is the interest rate on a Capri gold loan?
The interest rate on a Capri gold loan starts at 11% p.a. and goes up to 30% p.a., depending on the scheme. Check the Most Important Terms and Conditions for the scheme you choose before you take the gold loan.
Is there an age limit for a gold loan?
Yes. The maximum age for a Capri gold loan is 75 at the end of the loan tenure.
When is a PAN Card mandatory for a gold loan?
A PAN Card or Form 97 is mandatory for all cases.
What is an agriculture gold loan?
Capri Loans offers gold loan for agriculture related purposes. To avail an agriculture gold loan, you submit a declaration or proof of agriculture or allied activity along with your other gold loan documents.
What is a business gold loan?
Capri Loans offers gold loan for business related purposes. To avail a business gold loan, an Udyam Certificate is mandatory. The Udyam Certificate is the registration certificate for micro, small and medium enterprises.
Can I use a gold loan for my business or farming needs?
Yes. Capri Loans offers gold loans for business and agriculture related needs, each with its own document requirement. Choose the gold loan that matches how you will use the funds.
How do I apply for a Capri gold loan?
You can apply for a gold loan through the Capri Loans app, online using the website Apply Now, or by visiting your nearest branch. You may alternatively call our number.
Where can I find the charges and terms of a gold loan?
The Charges & Documents section of the gold loan page provides information in multiple languages. Read it before you take your gold loan.
How do I make payments on my gold loan?
Use the Pay Now option on the Capri Loans website, or Capri Loans App to pay your gold loan dues. Keep your gold loan details handy while you pay. You may also visit your Capri gold loan branch.
How is a gold loan different from an unsecured loan?
A gold loan is secured by your gold, while an unsecured loan has no collateral. Because of the collateral, a gold loan can be easier to get and faster to approve than an unsecured loan.
What should I check before taking a gold loan?
Check the interest rate range for your scheme, the repayment pattern, the documents you need and the terms and conditions. Also confirm how your gold will be stored and insured. Capri Loans offers bullet repayment facility, 100% insurance on gold and storage in secure vaults with 24x7 CCTV.
Where can I find a Capri Loans branch for a gold loan?
Use Locate Us on the Capri Loans website to find a branch near you. As on 30 September 2026, Capri Loans has over 1100 gold loan branches.
What should I carry when I visit a branch for a gold loan?
Carry the gold you wish to pledge and your Aadhaar Card (mandatory) as identity and address proof. For a business gold loan, carry your Udyam Certificate, and for an agriculture gold loan, your proof of agriculture or allied activity.
Where can I read more about gold loans before I apply?
The Capri Loans website has a Blogs section and FAQs under Help & Support, and the gold loan page has a few key documents like MITC. Use them to learn how a gold loan works before you apply for a gold loan.
Tell me more about Capri Loans?
Capri Loans is one of the leading NBFCs in India. It is listed on BSE and NSE under the name Capri Global Capital Limited. Capri Loans has served more than a million gold loan customers since the start of the business. It also offers MSME Loan, Micro LAP and Home Loans through its subsidiary.