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Apply for Gold Loan Online

Aapka sona pura karega, har zaroorat aur sapna

Finance ki Pathshala
1000+ Total Branches
6 Lakh Active Customers
12.5 Lakh Total Customers Served
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Built-in Benefits You'll Like

100% Insurance on Gold

Complete insurance coverage for your gold during the loan period.

PAN India Presence

Present across 15 states and 2 Union Territories, with a rapidly expanding footprint across the country.

Totally Secure

Your gold is protected in AI-powered vaults under 24x7 CCTV.

Bullet Repayment

Pay Interest as per the Schedule and Principal at the end of loan tenure.

Calculate Your Gold Loan Amount

Gold Purity

*Please type in the range of 1 to 1000gms

₹0 per gram

(Last Updated -)

Maximum loan amount is ₹5,00,00,000
Maximum tenure is 36 months
Maximum interest rate is 30%
Maximum origination charge is (0.25% of loan amount + ₹7)
₹0 Eligible Loan
Amount
0.00
grams of gold required
Ornament Value Eligible Loan
Ornament Value ₹0.00
Eligible Loan ₹0.00
0.00 %
Your APR Percentage

Interest Rate

Minimum Interest Rate: 11.88% p.a

(Range: 11.50% - 29.75% p.a)

Interest rates vary as per the Scheme.

✔ Loan up to 75% of your gold's market value*

✔ Interest rates starting from 11.0% p.a.

✔ Flexible tenure: 6 to 24 months (early foreclosure allowed, no lock-in)

How your gold is valued: Market value is based on the 30-day average of the 22-carat gold rate or the current spot rate, whichever is lower. Lower-purity gold is proportionally converted to its 22-carat equivalent.

Representative Example (₹1,00,000 loan):

• Interest Rate: 11% p.a.

• Tenure: 6 months

• Processing Fee (incl. GST): ₹100

• SMS Charges (incl. GST): ₹7/month

• APR: 11.19%*

APR Range: Min APR: 11.19%* | Max APR: 30.04%* (₹1,00,000 loan, 6-month tenure, at 11%–30% ROI)

Know more: CapriLoans.in

*T&C apply. Loan amount subject to gold purity and applicable scheme.

Eligibility

Age Requirement

Max age limit is 75 at the end of Loan Tenure.

Documents

Application Documents

Identity Proof

  • Aadhaar Card
  • Valid Passport
  • Valid Driving License
  • Voter ID Card
  • PAN Card

Address Proof

  • Aadhaar Card
  • Valid Passport
  • Valid Driving License
  • Voter ID Card

Declaration or Proof of Agriculture or Allied activity to be submitted to avail Agriculture Gold Loans.

PAN Card mandatory for Loans above Rs. 5 Lakhs.

Udyam Certificate is mandatory to avail Business Gold Loans.

Charges & Documents

Got Questions?
We've Got Answers

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.

If a gold loan is not repaid within the specified tenure, the lender has the right to auction the gold to recover the outstanding amount. It's crucial to communicate with the lender in case of gold loan repayment challenges, as they may offer alternative solutions to help you manage the loan effectively and avoid the auctioning of the pledged gold.

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. Standard documents include government-issued ID proof (Aadhar card, PAN card, etc.), address proof, to apply for a loan against gold. Our representatives can guide you through the specific document requirements.

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.

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