• Gold loan, also called loan against gold, is a type secured loan taken by a borrower by pledging their gold jewelry (24, 22, 20 & 18 Carats) as collateral.
• The loan amount provided is a certain percentage of the gold, typically up to 75%, based on current market value and quality of gold.

SahiBandhu offer hassle-free gold loan services all over India. Our priority is to offer the best & customer-centric services. Some key benefits of gold loans are:

• Instant loan across the table
• Low interest rates
• Multiple payment options and tenures
• Simple & easy documentation
• Different gold loan schemes
• Complete safety of gold deposit
• Get personal assistance

Loan against gold jewelry are secured loans, so there are any hard meet eligibility criteria. Any one who meets the below basic requirements can get jewel loan.

• Indian resident and citizen
• 18 to 70 years of age

No. Gold Loans require you to provide gold as collateral, which is a liquid tangible asset. Even if you have a low credit score, banks are likely to give you a loan because your gold acts as a security and shields them from the risk of default.

• Passport size photograph
• ID Proof - Driving License / PAN Card / Form 60/61 / Passport Copy / Voter ID Card / Aadhaar Card / Ration Card. (Any one document needs to be submitted)
• Address Proof - Driving License / Voter ID Card / Ration Card / Aadhaar Card / Passport Copy / Registered Lease Agreement with utility bills in the name of landlord (not older than 3 months)
• Proof of land holding in case of agriculture loan

• As gold loan are secured loans so the interest rate is lower compared to other loans
• A person is required to only submit their KYC documents like ID with address proof to get their gold loan approved and get the amount disbursed within 30 Minutes.
• Limited paperwork in gold loan makes its approval and disbursal quicker whereas personal loan has elongated paperwork which leads to delayed loan disbursal.
• Credit history is not required in gold loan to some extent whereas it is required in personal loan and can also impact rate of interest.
• There are flexible repayment options available with gold loan, with zero or minimum prepayment charges

• Your gold is absolutely safe with us. It will be deposited in a safe vault in the strong room of your nearest Bank branch, giving you the assurance of complete transparency and peace of mind. Your Gold is valued in your presence, sealed, and secured in a tamperproof packet.
• Whenever you wish to get your gold back, it will be given back to you in exactly the same state as you submitted in the first place.

• When you fix an appointment with our executive, we will share the executive’s photo and basic details with you via SMS link.
• Our executives always carry their ID card. Please ask for the same when you meet them.

You can apply for a gold loan by calling us at 18003098440 or by requesting a call back on our website.

Any gold ornament above 18 carats can be used to avail a gold loan.

You can repay the loan by Cash, Cheque, Demand Draft or through Funds Transfer. The ornaments will be released on realization of amount by the Bank.

You will be given an option to pay only the interest and renew the loan. Further default on loan payment will result in a notice being sent to you, informing you of the time within which you will have to clear your obligations.

Non-payment of loan by the final notice date will lead to lenders auctioning your gold articles to recover the outstanding loan amount.

You will be charged a penal interest (as the case may be) at the bank rate, over and above the normal rate of interest.

You can contact SahiBandhu by calling us at 18003098440 or by requesting a call back on our website.