Gold Loan
  • 11.75% - 18.00%

    Interest Rate Range
  • Up To 2.5%

    Processing Rate Range
  • Max 40L

    Loan Amount
  • 1 Year - 5 Years

    Tenure Range

General information


Personal information

Code Verified

Appointment Date & Time

Current Address Details

Is current address same as permanent address

Permanent Address Details

  • Yes
  • No

Terms & conditions *


  • Two passport size photograph.
  • ID Proof such as Driving License / PAN Card / Passport Copy / Voter ID Card / Aadhaar Card / Ration Card.

Terms & Conditions

  1. Stamp duty at actual as per applicable law.
  2. Interest rate of sub. (subject to change as per terms and conditions /agreement) as per lender (monthly reducing)
  3. Processing charge of the borrower will be according to the lender.
  4. Govt. tax and levy as per applicable government laws would be charge on all fees and charges.
  5. Cheque/SI/ECS return charges (without prejudice to the civil and criminal rights and remedies of the bank for the dishonor)  As per lender
  6. Default interest / late payment charge: as per lender
  7. Legal repossession and incidental charges: At actual
  8. Duplicate amortization/ repayment schedule: as per lender
  9. Cheque /Si/ESI swapping charges: As per lender
  10. Details of security  As per lender
  11. Taxes at actual, applicable presently or in future.
  12. Date on which annual outstanding balance statement will be issued:31st may
  13. Loan cancellation charges:  As per lender Interest would be charged for the interim period between the date of disbursement and date of loan cancellation
  14. Gap interest will be recovered from disbursement amount where the number of the days between account credit date (i.e. of the disbursement amount ) and first EMI date is more that 30/31 days

You're probably eligible for a Loan if you are

  • At Least 23 Years Old

  • Less Than 65 Years Old

  • Salary must be in your account

  • Minimum salary required Rs.15000/Month credit in bank

  • Minimum job experience / stability 6 months

Apply Gold Loan online at lowest Interest Rate

What is a gold loan? 

Gold is known as the safest investment due to its liquidity properties that help you get the best and India undoubtedly has one of the biggest gold consumers in the world since times immemorial. There is no restriction of using gold loans unlike other loans like personal loan, business loan, car loan etc. A gold loan is a secured loan in which a customer mortgages gold with BANK / NBFC as collateral. The financial institution gives the customer the loan amount according to the market value of gold and is the fastest way to get money for personal or business needs.

Real Finserv offers gold loans in India at very affordable rates. 

What is the procedure to apply for a gold loan? 

The idea of applying for a gold loan is simple. You pledge your gold article and get the loan amount in return. To do this, you go with a lending institution. The lender checks the purity of the gold and determines its weight based on which it evaluates its market value. Gold loans can also be sanctioned 90 percent of the calculated value of the pledged gold. Real Finserv also offers a digital platform where you can avail services from its website. With this, you can see us where our experts will go and get through the purity check of jewellery registered while linking your bank account to avail the services. Gold loan can be availed at limited documentation and liberal eligibility criteria.Gold Loan can be availed by anyone, be it salaried professionals, businessmen, housewives etc provided you have enough gold to pledge with.

Real Finserv is one of the best gold loan companies in India & you can apply online. Click here to apply now 

Features of Gold Loan 

Purpose - You can avail a gold loan in order to finance various needs, such as for educational purposes, medical emergencies, going on a holiday, and so on. 

Security - The gold that has been pledged with the bank or the financial institution acts as the security or collateral against which the loan amount is provided. 

Overdraft facility - A credit facility that allows pledgers to make use of the money in small quantities from the given sanctioned limit. 

Documents required to apply for Gold Loan 

  • Identity Proof
  • Address Proof
  • Signature Proof

Gold Loan Details -

Processing Charges1.5%+GST
Evaluation Fee Rs. 250+taxes for loan up to Rs 1.5 lac RS 575 + taxes for loans above 1.5 lac
Foreclosure charges

2%+GST if closed within 3 months 

No charges if closed after 3 months 

Denied payment of loan amount charges 2% p.a. Over applied rate of interest
Stamp duty & other statutory charges As per the laws of the state
Processing Fees (Renewal) Rs. 350+GST

Rates Offered to Customers - 

Type of Loan Minimum Rate of Return Maximum Rate of Return Average Rate of Return
Gold Loan 9.50% 17.55% 11.32%

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