1800 270 7000

Find customised home loan solutions for your unique needs

Balance Transfer

Find a better interest rate for your existing home loan

Top up Home Loan

Get a loan on your existing home loan to meet your needs

Loan Against Property

Turn your assets into a financial ally

Credit Track

Discover your financial fitness - check your credit score

Check Now

Home Loan EMI Calculator

Get an estimate of your Home Loan EMI now

Calculate Now

Mortgage Calculator

Calculate your Loan amount for your Current property

Know More

Home Loan Eligibility Calculator

Are you eligible for a Home Loan? Find out now!

Calculate Now

Apply For Gold Loan

Competitive Interest Rates Starting from Just 9% p.a. Competitive Interest Rates Starting from Just 9% p.a. Competitive Interest Rates Starting from Just 9% p.a. Competitive Interest Rates Starting from Just 9% p.a. Competitive Interest Rates Starting from Just 9% p.a. Competitive Interest Rates Starting from Just 9% p.a. Competitive Interest Rates Starting from Just 9% p.a. Competitive Interest Rates Starting from Just 9% p.a. Competitive Interest Rates Starting from Just 9% p.a. Competitive Interest Rates Starting from Just 9% p.a.

0

EMPLOYEES

0

BRANCHES

₹5.91 Lakh Cr.

ASSETS UNDER MANAGEMENT

₹2 Lakh Cr

CONSOLIDATED LENDING BOOK

Why Choose Aditya Birla Capital

4 Day Grace Period

Never worry about missing a deadline, benefit from a 4-day buffer on your repayments.

Zero Charges on Part Release

Release a portion of your gold anytime at absolutely no extra cost.

No Foreclosure Charges

No penalty for pre-closure when you want to prepay your loan amount.

Paperless Journey

From application to closure, 100% digital and hassle-free.

Rate Stays, Even After Part Release

Your interest rate remains unchanged even after you release part of your gold.

Transparent Valuation

No hidden deductions. We use laser-purity checks in your presence, ensuring every milligram is accounted for.

Repayment Options

Repay interest only, bullet payments, or part payment. Tailored plans that suit your cash flow needs.

Sovereign Protection

Your assets are protected by global insurance leaders and stored in RBI-compliant vaults with 24/7 surveillance.

Terms and conditions apply*

How To Apply

Simple, professional, and efficient steps to get your loan.

Apply Online

Fill out the quick form on our portal.

Visit Branch

Find a location nearest to your home.

Gold Valuation

Purity check done in your presence.

KYC & Documents

Provide your basic KYC details and required documents at the branch.

Disbursal

Instant transfer to your bank account.

NATIONWIDE PRESENCE

Locate your nearest Gold loan branch

Gold Loan Branch

Eligibility & Documents

Eligibility Criteria

Transparency is our priority. Know exactly what you need before you start your application journey

Eligibility

Applicants must be a minimum of 18 years old and should not exceed 72 years of age at the time of loan booking.
Gold Ornaments & Jewellery, Gold Coins of 24 Karat
Gold jewellery of 18K to 22K purity is generally accepted for pledge, while gold coins of 24K purity is also eligible.
Avail loan from ₹5,000 to ₹5 Cr

Documents Required

Identity Proof

Aadhaar, Passport, Driving License, Voter ID, Job Copy of Job card issued by NREGA duly signed by an officer of the State Government, Letter issued by the National Population Register “NPR” containing details of name and address.
Address Proof

Aadhaar, Passport, Driving License, Voter ID, Letter issued by the National Population Register “NPR” containing details of name and address.
PAN Card

Mandatory for verification and high-value transactions.

TRANSPARENCY FIRST

Standard Charges
& Service Fees

PARTICULARS

CHARGES

Processing Fee

Up to 2%

MTM Charges on more than 90% LTV

Flat 500/- (Capped once per Quarter)

Auction Intimation Notice Charges

Rs. 200 per Notice Charges

Post Auction Charges

Rs. 1,500

Cash Handling Charges

₹20 or 0.20% of Cash transaction value (whichever is higher)

Franking Charges applicable as per state including cess

Actuals where ever applicable

Penal Charge

6.00% p.a.

SMS Charges

Rs.10 Flat Per Loan

Foreclosure Charges

NIL Minimum of 10 days interest will be charged if loan is closed within 10 days

Credit Appraisal Fee

< 2.5 Lakh Rs.25

> 2.5 Lakh Rs.75

Safe Custody Charges

Rs.5/per gram per month payable at the time of closure or renewal

Overdue Notice Charges

Rs.200 per Notice (once in 90 days)

Important Documents

English ↗

Frequently Asked Questions

Everything you need to know about partnering with Aditya Birla Capital.

How can I repay my gold loan?

You can repay your gold loan via bullet repayment, at tenure-end, or interest-only payments. Aditya Birla Capital offers flexible gold loan repayment options to match your cash flow and preference.

Is part-release of pledged gold allowed?

Yes, part-release of pledged gold is allowed without the need to close the entire loan with no additional charges, subject to repayment of applicable dues. Borrowers can also make partial principal repayments at any time to reduce the outstanding amount and interest liability. Additionally, the loan may be foreclosed before the end of the tenure by repaying the full outstanding amount. This flexibility enables effective loan management and closure.

What happens in case of non-payment?

Non-payment may attract penal charges and, if the dues remain unpaid, the pledged gold may be auctioned in accordance with applicable regulations and loan terms.

Are there any additional charges?

Additional charges such as processing fees, valuation charges, penal charges, and other applicable fees may apply as per the loan application

How can I avoid rejection of my gold loan application?

Ensure you meet the eligibility criteria, submit complete and valid documents, and pledge gold that meets the lender’s accepted purity and valuation standards.

Which gold items are accepted for a gold loan?

You can use gold as collateral for the loan, provided it is of at least 18 Karat purity and gold coin of 24 Karat purity. However, remember that loans are not granted against 24-Karat gold bars and biscuits, bullions, digital gold, gold bonds etc.

How do fluctuations in gold prices affect gold loan?

The most significant factor affecting a gold loan is the Loan-to-Value (LTV) ratio, which is the ratio of the loan amount to the value of the pledged gold. When gold prices rise, borrowers can get larger loan amounts, and vice versa. Lenders monitor gold price trends to determine the standard gold value for a smooth lending experience. The LTV ratio is also based on the purity of the gold, directly tied to gold prices. Additionally, in case of fluctuations in gold prices during the loan tenure, you may be required to provide margin money on the existing loan amount to maintain the RBI-prescribed LTV limits

How is the gold kept safe?

Our branches follow robust security protocols, including multiple key custodians and centrally controlled access. Pledged gold is stored in vaults under 24x7 CCTV surveillance, along with enhanced branch security measures such as guards to ensure its safety

Can I avail more than one gold loan?

Yes, you can avail multiple loans with us

Are precious stones, gems, or other embedded materials considered during gold valuation?

For valuation purposes, only the intrinsic value of gold in the eligible collateral is considered. No additional value is assigned for precious stones, gems, or any other embedded cost elements in the ornament

What is the minimum and maximum loan amount available under Aditya Birla Capital Gold Loan?

The minimum Gold Loan amount available is ₹5,000, while the maximum loan amount is ₹50 Cr. Enhanced due diligence may be applicable for loan amounts above ₹50 Cr, as per internal policies and regulatory requirements.

How is the interest on a Gold Loan calculated?

The interest payable on a Gold Loan is calculated based on the loan amount, applicable interest rate, loan tenure, and the repayment option selected. Formula: Interest Payable = (Loan Amount × Annual Interest Rate × Loan Tenure in Months) ÷ (12 × 100) Example: If you avail a Gold Loan of ₹1,00,000 at an interest rate of 12% p.a. for a tenure of 6 months: • Interest Payable: ₹6,000 • Total Amount Payable: ₹1,06,000 Note: The actual interest payable may vary depending on the repayment option selected, applicable charges, and the terms and conditions of the loan.