Gold eligibility
Purity, weight, jewellery type and lender acceptance determine the eligible value. The lender's appraiser makes the final assessment.
GOLD LOAN
Turn eligible gold into accessible secured finance.
See roughly what your gold could fetch, understand how lenders value it, and know the repayment terms before you pledge anything.
- Gold-backedEligible pledged gold jewellery
- Purity-led valuationAssessed by the lender
- LTV-based fundingWithin regulatory and lender limits
- Returned on closureGold released after eligible dues are cleared
GOLD VALUE ESTIMATOR
What could your gold fetch?
Gold loans suit short- or medium-term funding when you are comfortable pledging eligible gold jewellery. The amount depends on the lender's valuation, purity, weight and applicable loan-to-value norms.
- Business liquidity
- Unexpected expenses
- Education needs
- Household requirements
Gold purity
Estimated gold value₹0
Indicative funding₹0
Illustration only. The gold rate is your input, and the lender's appraiser sets the final valuation after a purity test. Not an offer.
THREE THINGS DECIDE YOUR AMOUNT
Value, funding share and repayment.
Loan-to-value
You are funded against a share of the assessed gold value. The share is set by the lender within regulatory limits.
Repayment structure
Interest servicing and principal repayment options vary across lenders and schemes. Check them before you pledge.
KEEP IT SIMPLE
What to bring, and what the lender handles.
The paperwork is usually lighter than for property-backed loans, but exact requirements remain lender specific.
- PAN or other accepted KYC
- Address and identity documents
- Any lender-required declarations
- Physical valuation of your gold
- Pledge documentation
- Loan and repayment terms in writing
BEFORE YOU PLEDGE
Ask your lender these four questions.
Your gold is a personal asset. Clear answers now avoid surprises later.
How will you value my gold?
Ask about the purity test, the rate used and any deductions.
How often must I pay interest?
Servicing can be monthly, periodic or at maturity, depending on the scheme.
What happens if I miss a payment?
Understand overdue charges, notices and the auction process before pledging.
Can I plan repayment first?
Decide how and when you will repay before the gold leaves your hands.
MYTH OR FACT
Common gold loan assumptions.
Shubhbank helps you plan and connect with suitable lenders. Valuation, approval and final terms are decided by the lender.
MYTH
Any gold is accepted.
FACT
Purity, weight and jewellery type decide what a lender accepts and how it is valued.
MYTH
The loan equals the full value of my gold.
FACT
You are funded against a share of the assessed value, known as loan-to-value.
MYTH
A higher loan is always better.
FACT
More funding means larger repayments. Borrow what you need and can repay.
MYTH
I lose my jewellery once I pledge it.
FACT
Your gold is returned after eligible dues are cleared, under the lender's terms.
READY WHEN YOU ARE
Start gold loan enquiry