Gold Loan
Gold loan starts from just 1 gram.
Unlock funds against your gold jewellery the same day — safe, insured storage and no income proof required.
Calculate your gold loan
Enter amount between Rs. 5,000 and Rs. 50,00,000
| Gold karat | 21 K |
| Required loan amount | ₹2,00,000 |
| Required loan tenure (Up to 36 months) |
*This is an estimate. The actual weight of gold required may vary subject to verification of gold.
Key Features
Repay at your convenience
Choose to repay your interest monthly, bi-monthly, quarterly, half-yearly or annually, with principal repayment at maturity.
Disbursal in just one branch visit
Get your gold valued and your loan disbursed the same day, in a single visit to our Mahuva branch.
Attractive interest rates
Interest rates starting from 9.5% per annum, based on your loan amount, tenure and gold purity.
Loan up to ₹50 Lakh
Borrow against your gold jewellery for amounts up to ₹50 Lakh, depending on purity and weight pledged.
Gold loan interest rate and applicable charges
| Types of fee | Applicable charges |
|---|---|
| Interest rate | 9.50% to 22.00% per annum |
| Processing fees | 0.20% of the loan amount (inclusive of applicable taxes). Subject to a minimum ₹150/- and maximum of ₹1,000/-, deducted upfront from the loan amount. |
| Stamp duty | Payable as per respective state laws and deducted upfront from the loan amount. |
| Penal charge | 3% per annum on outstanding balance, over and above the interest rate, applicable in case of default in repayment of dues post maturity. |
| Convenience fee | ₹149 (inclusive of applicable taxes) levied for part release of pledged ornament(s). |
| Pre-payment charges | Full pre-payment: Nil, any time post disbursement. Part pre-payment: Nil, any time post disbursement. |
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Disclaimer
Ansh Finserv has the sole and absolute discretion, without assigning any reason, to accept or reject any application as per its internal policy. Rates, charges and eligible amounts are indicative and subject to change based on gold valuation and lender terms at the time of application.
Questions,
answered.
How much will I get per gram of gold?
It depends on the current gold rate and the purity (karat) of your ornaments — we fund up to around 75% of your gold's value, subject to verification.
Is my gold safe with you?
Yes — every pledged ornament is stored in insured, secure vaults until your loan is fully repaid.
Do I need income proof to apply?
No. Gold loans are secured against your ornaments, so income documents are not required in most cases.
How is the required gold weight calculated?
We divide your requested loan amount by the day's applicable rate per gram for your selected karat, adjusted for the loan-to-value ratio. The final weight is confirmed after physical verification at the branch.
Can I part-release some of my gold before full repayment?
Yes, part release is available against a nominal convenience fee, subject to maintaining the required loan-to-value on the remaining pledge.