Gold Loan

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Aditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.

Nationwide Branches

1,740

No. of Employees

68,400

Agents/Channel Partners

2,00,000+

Aggregate Assets

INR 5.91 Lakh Cr

Consolidated Lending Book

INR 2 Lakh Cr

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Features and Benefits of Gold Loan

High Per Gram Rate

Gold loans are secured against your gold, ensuring a higher LTV ratio.

Flexible Repayment Options

During the initial repayment period, you can opt to pay only the interest on the loan against gold, reducing your monthly expenses. The entire principal amount is repaid at the end of the loan tenure.

Quick Processing

The gold loan application process is streamlined, requiring minimal documentation. Once your application is approved, the loan amount is typically disbursed.

Minimal Documentation

The gold loan application process is designed to be hassle-free, requiring fewer documents compared to traditional loans.

No Credit Score Impact

As a secured loan, gold loans do not rely on your credit score for approval.

Types of Gold Loans Available in India

Aditya Birla Capital offers customised gold loan solutions tailored to specific life goals and financial needs. Here are the most common types of gold loans in India you can avail:

Gold Loan for Education

Secure your child’s academic future with a gold loan for education that helps fund tuition fees, hostel costs, or exam preparations. With quick disbursal and flexible repayment, this is a smart way to finance education without long-term liabilities.

Gold Loan for Agriculture

Specially designed for farmers, this gold loan for agriculture comes with lower interest rates and seasonal repayment options. It’s ideal for managing sowing costs, irrigation, fertiliser expenses, or unexpected crop-related challenges.

Gold Loan for Business

Boost your working capital, buy inventory, or expand operations using a gold loan for business. With minimal paperwork and high loan-to-value, it's a convenient funding option for traders, shop owners, and small businesses.

Gold Loan for Women

Empowering women entrepreneurs, this gold loan for women offers preferential rates and simplified approval. Whether it’s for launching a new business, managing household needs, or investing in personal goals, this loan brings financial freedom within reach.

Gold Loan for Emergency Needs

Unexpected medical bills or urgent family expenses? Our emergency loan against gold offers instant liquidity when time is critical. Just walk into a branch with your gold jewellery and walk out with funds the same day.

How to Apply for Gold Loan in 5 Easy Steps

STEP

Determine your financial needs

STEP

Check loan eligibility

STEP

Calculate monthly instalment

STEP

Submit the relevant documents

STEP

Apply for the loan

Gold Loan Interest Rates

Gold loan interest rates at Aditya Birla Capital start from 0.81% per month, making it an affordable and accessible credit option for short-term or urgent financial needs. Interest is calculated monthly, allowing you to plan your gold loan repayment with clarity. Customers are advised to compare available gold loan schemes and choose the one that best suits their financial requirements. To help you understand your repayment better, here’s a breakdown of the monthly interest payable on different loan amounts, calculated for up to 12 months at the minimum rate of 0.81% per month.

Gold Loan Monthly Interest Table (at 0.81% p.m.)

Loan Amount (₹)	1 Month	3 Months	6 Month	12 Month
₹30,000	₹243	₹729	₹1,458	₹2,916
₹50,000	₹405	₹1,215	₹2,430	₹4,860
₹1,00,000	₹810	₹2,430	₹4,860	₹9,720
₹2,00,000	₹1,620	₹4,860	₹9,720	₹19,440
₹5,00,000	₹4,050	₹12,150	₹24,300	₹48,600

Note:This is a calculation at the base rate of 0.81% per month. Actual rates may vary depending on the gold purity, loan tenure, borrower profile, and other eligibility conditions.

Eligibility criteria and documents required for gold loan

Are you eligible for a Gold Loan? Check whether you and your gold meet the eligibility criteria.

Eligibility Criteria for Gold Loan *

Minimum Age You must be at least 18 years of age at the time of the gold loan application.
Citizenship The applicant must be an Indian citizen with valid proof of identity and residence.
Gold Purity The gold should have a minimum purity of 18 karats. Higher purity may fetch a better loan against gold amount.
Gold Quantity A minimum of 10 grams of gold must be submitted to qualify for the jewel loan.
Minimum Loan Amount The minimum loan amount that can be availed is ₹30,000.
Acceptable Gold Forms Only gold jewellery is accepted. Gold coins or bars may not be eligible under standard gold loan schemes.

Note: These are general criteria. Final eligibility may vary based on branch-level assessment and submitted documentation.

Documents Required for Gold Loan

Applying for a gold loan with Aditya Birla Capital is quick and hassle-free, thanks to minimal documentation requirements. Here's a detailed overview of the key documents typically required:

ID Proof
A valid government-issued photo ID is necessary. Acceptable documents include:
Aadhaar Card, PAN Card, Voter ID, Passport, or Driving Licence.
Address Proof
To verify your residential address, you can submit any of the following:
Aadhaar Card, Voter ID, Passport, Driving Licence, Lease/Rent Agreement, or recent Utility Bills (Electricity, Water, or Gas).
Additional Requirements • A recent passport-size photograph.
• A signed gold loan application form. In most cases, income proof is not required, making gold loans highly accessible even for individuals without regular salary slips or filed ITRs.
Income Proof In most cases, income proof is not required, making gold loans accessible even for individuals without regular salary slips or filed ITRs.

Please note: This is an indicative list and may vary slightly depending on your loan profile or branch-specific requirements. It’s always advisable to check with your nearest Aditya Birla Capital branch for the most accurate document list.

Who Can Apply for Gold Loan ?

Salaried professionals

Self-employed individuals

Business owners

Students

Senior citizens

Pensioners

Homemakers

Gold Loan Fees & Charges

In addition to the interest rate, lenders may also charge various fees and charges associated with gold loans. These fees can vary depending on the lender, the type of loan, and the loan amount. Some common fees and charges associated with gold loans include:

Charge Type	Amount
Processing fee:	This is a one-time fee charged by the lender to process your loan application. The processing fee can typically range from 0.5% to 1% of the loan amount.
Prepayment charges	If you repay a share of the loan amount before the end of the loan term, you may be charged a prepayment fee. The prepayment fee can vary depending on the lender and the scheme you have chosen.
Late payment charges	If you fail to make your monthly payments on time, you may be charged with a late payment fee. The late payment fee can vary depending on the lender, the scheme you have chosen and the amount of the missed payment.
Defaulting on interest payment	If you default on an interest payment on one of the loans, a penalty will be levied. The cost of the penalty will depend upon the lender and the scheme you have chosen. It could either be a % of the loan amount as a penal charge or a hike in the interest rate.
Foreclosure charges	If you pay off the entire loan amount before the end of the loan term, you may have to pay foreclosure charges. The amount of foreclosure charges will depend on the lender and the type of scheme chosen.

Things to consider before taking a gold loan

Table of Contents

Loan Amount and Tenure Gold Valuation Loan Processing Time Documentation Repayment Options Interest Rates

Loan Amount and Tenure

Assess your needs

Determine the exact amount of money you need to borrow to fulfil your financial goals.
Choose a flexible tenure

Select a loan term that aligns with your repayment capacity and financial situation.
Consider prepayment options

Check the lender's policies regarding prepayment and whether there are any associated charges.

Gold Valuation:

Ensure accurate valuation

Verify that the lender uses a reliable method to assess the value of your gold.
Check for purity and weight

Ensure that the lender accurately determines the purity and weight of your gold.
Consider potential depreciation

Be aware that the value of gold can fluctuate, so consider the potential impact on your loan if the value decreases.

Loan Processing Time

Prioritise quick disbursal

Choose a lender with a reputation for efficient loan processing and quick disbursement.
Enquire about processing time

Ask the lender about their typical processing times and any factors that might affect the speed of the loan approval.
Consider online applications

If you prefer a more convenient and efficient application process, look for lenders that offer online applications.

Documentation:

Check for minimal requirements

Check the necessary documentation and ensure that you have all the required paperwork available.
Ask about online document submission

If possible, ask about the option to submit documents electronically to save time and effort.
Be prepared for additional documents

Be prepared to provide additional documents if requested by the lender, such as proof of income or address.

Repayment Options

Enquire about flexibility

Ask the lender about the available repayment options, such as monthly instalments, part payments, or prepayments.
Consider convenient payment methods

Choose a lender that offers convenient payment methods, such as online transfers, automatic deductions, or physical payments.
Be aware of late payment charges

Understand the lender's policies regarding late payments and any associated charges.

Interest Rates

Compare rates and charges

Research interest rates offered by different lenders and compare them to find the most competitive option.
Consider hidden fees

Be aware of any additional charges or penalties that might increase the overall cost of the loan.
Understand interest calculation

Determine whether the interest is calculated monthly or annually.

Different financial needs, different loans,

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Range of loan options for different needs
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Customer Satisfaction Stories

Mauris Porta Arcu Id Tortor Pulvinar Cursus. Duis Mattis, Diam Id . Sit Amet. Donec Velit Massa Pharetra A Elementum Sed Mattis Vel Tortor. Ac Neque Ut Purus Sed Nulla Felis Pharetra. Lobortis Aliquet Tortor Suspendisse Urna Mauris Justo Volutpat Odio. Dignissim Orci Ante Mattis Scelerisque Lacus Amet.

Kavya Mehra

Aditya Birla Health Insurance Customer

Bangalore, India

Mr. Vivek Mishra

Aditya Birla Health Insurance Customer

Kavya Mehra

Aditya Birla Health Insurance Customer

Bangalore, India

Mr. Baijnath Choudhary

Aditya Birla Capital

Kavya Mehra

Aditya Birla Health Insurance Customer

Bangalore, India

Rocky Mahapatra

Aditya Birla Capital Limited

Kavya Mehra

Aditya Birla Health Insurance Customer

Bangalore, India

FAQs on Gold Loan

The amount you can get per gram depends on the gold’s purity and daily market price. With Aditya Birla Capital, the gold loan per gram value is competitive and calculated as per RBI-approved Loan-to-Value (LTV) norms.

At a starting rate of 0.81% per month, the EMI for a ₹1 lakh gold loan over 12 months would be approx. ₹9,000. Actual EMI will vary based on loan tenure and gold loan schemes selected.

You may receive between ₹45,000 to ₹55,000 for 10 grams of 22K gold, subject to current gold rates and purity. The final loan against gold amount is confirmed after in-person valuation at the branch.

You can repay your gold loan via monthly EMIs, bullet repayment at tenure-end, or through an overdraft facility. Aditya Birla Capital offers flexible gold loan repayment options to match your cash flow and preference.

A Gold Loan, also known as a loan against gold, is a secured loan where you can use your gold belongings, usually ranging from 18 to 24 carats, as collateral. The loan amount you can avail is typically up to 75% of the gold's current market value and quality. Gold Loans are a simple and efficient way to address immediate financial needs by leveraging the value of your gold jewellery or ornaments.