Gold Loan - Get Up to ₹50 Lakh Against Your Gold
Turn your eligible gold jewellery or gold coins into funds with a Gold Loan from Piramal Finance. Get an indicative estimate using our Gold Loan Calculator, understand your eligible loan amount based on gold value and applicable Loan-to-Value (LTV), and apply for a Gold Loan with transparent valuation and secure gold storage.
- ✓Loan amount: ₹25,000 to ₹50 lakh*
- ✓Eligible gold: 18K–22K gold jewellery and bank-minted gold coins*
- ✓Quick processing: A simple and streamlined process for faster gold loan disbursal.
- ✓Secure storage: Your pledged gold is securely sealed and stored until loan closure.
*Indicative and subject to eligibility, applicable LTV, physical gold valuation and Piramal Finance’s prevailing policies and terms.
Get an approximate estimate instantly. Unlock the value of your gold.
🔒 Your photo is used only to generate this estimate and is not stored. This is an indicative estimate, not a substitute for physical purity testing at the branch.
Gold Loan Calculator
Wondering how much Gold Loan you can get against your jewellery?
Use the Piramal Finance Gold Loan Calculator to get an indicative estimate based on your gold’s weight and purity. You can also enter the amount you need to estimate how much eligible gold may be required.
- ✓Get an estimate in seconds.
- ✓Works both ways - gold to loan, or loan to gold.
- ✓No sign-up needed to see your estimate.
*The calculator provides an indicative estimate only. The final loan amount depends on physical testing of the gold, its net weight and purity, applicable LTV, eligibility and the terms applicable at the time of sanction.
*Indicative only. Final amount depends on physical purity testing & weight at the branch.
What is a Gold Loan?
A Gold Loan is a secured loan in which you pledge eligible gold jewellery or gold coins as security to a lender and receive funds against the assessed value of the gold.
Unlike selling your gold, a Gold Loan allows you to use the value of your gold while retaining ownership of it, subject to the terms of the loan. Your gold remains pledged with the lender until you repay the applicable outstanding amount and complete the loan closure process.
The amount you can borrow depends on factors such as the purity and net weight of the eligible gold, the applicable gold rate, the Loan-to-Value (LTV) applicable to the loan and your eligibility.
With Piramal Finance, the gold is weighed and purity-tested in front of you, as part of the valuation process. The eligible loan amount is then determined based on the assessed value of the gold and the applicable terms.
Why do people take a Gold Loan?
A loan against gold can be used to meet a range of financial requirements, subject to the terms of the loan. Customers may consider a Gold Loan for needs such as:
- ✓Business or working capital requirements
- ✓Education expenses
- ✓Medical or emergency expenses
- ✓Household or personal financial needs
- ✓Other eligible financial requirements
A Gold Loan can provide access to funds without requiring you to sell your gold jewellery.
How Does a Gold Loan Work?
The Gold Loan process is based on the value of the eligible gold you pledge.
Apply for a Gold Loan
You can start your application online or visit a Piramal Finance Gold Loan branch with the gold you want to pledge and the required documents.
Gold is weighed and tested
Your gold is weighed and its purity is assessed in front of you as part of the valuation process. The applicable gold rate, purity and net eligible gold weight are considered to determine the assessed value of the gold.
Loan amount is calculated
The loan amount is determined based on the assessed gold value, applicable LTV, eligibility and the selected loan terms.
Complete documentation and KYC
Submit the required documents and complete the applicable verification process.
Loan is disbursed
Once the loan is approved and the required formalities are completed, the sanctioned amount is disbursed according to the applicable terms.
Gold is securely stored
The pledged gold is sealed and stored securely until the loan is closed and the applicable outstanding dues are paid.
Get your gold back after loan closure
Once the outstanding loan amount and applicable dues are fully paid and the loan closure process is completed, your pledged gold can be collected as per the applicable process.
How is Gold Valued for a Gold Loan?
Gold valuation is one of the most important factors in determining how much you can borrow against your gold.
The value of your gold is generally determined by considering:
- ✓Gold purity: The karat of the gold affects its value.
- ✓Net gold weight: The eligible gold content is considered rather than simply the total weight of the jewellery.
- ✓Applicable gold rate: The relevant gold rate used for valuation is considered.
- ✓Eligible gold: The jewellery or gold coins must meet the lender’s applicable requirements.
- ✓Loan-to-Value (LTV): The applicable LTV determines the portion of the assessed gold value that can be offered as a loan.
Does jewellery weight equal gold value?
Not necessarily. Jewellery may contain stones, other materials or components that are not counted as gold. Therefore, the eligible gold value is based on the applicable assessment of the gold content rather than simply the gross weight of the jewellery.
How is gold purity checked?
The gold is assessed for purity as part of the valuation process. The applicable purity and net eligible gold weight are then considered along with the relevant gold rate to determine the assessed value.
Why does gold purity matter?
Gold purity indicates the proportion of gold in the item. For example, 22K gold contains a higher proportion of gold than lower-karat gold. Since purity affects the eligible gold value, it can also affect the loan amount you may be eligible for.
What is Gold Loan LTV?
Gold Loan LTV, or Loan-to-Value ratio, is the percentage of the assessed value of your pledged gold that can be offered as a loan. The applicable LTV is determined based on regulatory guidelines and the lender’s prevailing policies.
It represents the ratio between the loan amount and the assessed value of the gold pledged as security.
Gold Loan LTV Formula
For example, if the assessed value of eligible gold is ₹4,00,000 and the applicable LTV is 75%, the loan amount at that LTV would be up to ₹3,00,000, subject to applicable eligibility and loan terms.
The applicable Gold Loan LTV is determined according to regulatory requirements and the lender’s prevailing policies.
Why is LTV important for a Gold Loan?
LTV helps determine how much you can borrow against your gold.
Two customers with gold of the same gross weight may not necessarily receive the same loan amount because the final eligible amount can depend on:
- ✓Gold purity
- ✓Net eligible gold weight
- ✓Applicable gold rate
- ✓Assessed gold value
- ✓Applicable LTV
- ✓Loan scheme and eligibility
What does 75% LTV mean?
If an applicable LTV of 75% is used, the eligible loan amount can be up to 75% of the assessed value of the eligible gold, subject to applicable regulatory requirements, lender policies and eligibility.
The applicable LTV may vary based on the loan amount and prevailing policy. Always check the applicable terms at the time of application.
How Much Gold Loan Can You Get?
The amount you can get against your gold depends on the assessed value of the eligible gold and the applicable LTV.
Piramal Finance offers Gold Loans from ₹25,000 up to ₹50 lakh*, subject to eligibility, applicable LTV, gold valuation and prevailing terms.
Your eligible loan amount may depend on:
- ✓Gold purity: Higher-purity eligible gold can have a higher assessed value than lower-purity gold of the same weight.
- ✓Net gold weight: The eligible gold content is considered during valuation. Stones and other non-gold components may not be included in the eligible gold weight.
- ✓Gold rate: The applicable gold rate used for valuation affects the assessed value of your gold.
- ✓Applicable LTV: The applicable Loan-to-Value determines the maximum loan amount that can be offered against the assessed value.
- ✓Your loan eligibility: Your age, KYC and other applicable eligibility requirements also need to be satisfied.
Example
Suppose your eligible gold has an assessed value of ₹5,00,000 and the applicable LTV is 75%.
The actual sanctioned amount can differ based on physical gold valuation, applicable LTV, eligibility, scheme and prevailing policies.
What Gold Can You Pledge for a Gold Loan?
The type and purity of gold accepted for a Gold Loan depend on the lender’s eligibility requirements.
At Piramal Finance, eligible gold jewellery and ornaments in the applicable purity range can be considered for a Gold Loan. Eligible bank-minted gold coins may also be accepted subject to applicable requirements and limits.
Gold jewellery
Eligible gold jewellery and ornaments may include items such as:
- ✓Gold bangles
- ✓Gold chains
- ✓Gold necklaces
- ✓Gold rings
- ✓Other eligible gold ornaments
Gold purity
Eligible gold jewellery and ornaments are generally considered in the applicable 18K to 22K purity range, subject to the lender’s prevailing requirements.
Gold coins
Only bank-minted gold coins may be accepted subject to applicable limits and requirements.
What is not included in the gold value?
Non-gold components such as stones may not be counted as eligible gold during valuation.
The final eligibility of the gold is determined after physical inspection and purity assessment at the branch.
Gold Loan Features & Benefits
Everything is designed to keep your gold safe and your money accessible when you need it.
Highly Flexible Repayment Options
Choose from multiple loan schemes that let you pay interest periodically or at loan closure, repay early without complications, and even part-release your gold after making a partial repayment.
Swift Processing & Instant Disbursal
Get quick access to funds with minimal documentation, immediate gold valuation right in front of you, instant loan eligibility calculations, and direct transfers to your bank account.
Uncompromising Physical Security
Your gold is stored in BIS-certified vault systems secured by three-layer interlocking doors and restricted dual-key access to lockers.
Double-Verified & Digitally Recorded Assets
To ensure absolute accuracy and accountability, two separate valuers verify the assessment of your gold, and each packet is digitally recorded.
Complete Transparency in Valuation
The gold rate is shared before the process begins, and every ornament is weighed separately while its purity is tested and clearly explained to you.
Advanced 24/7 Surveillance
The premises are strictly monitored around the clock via AI-enabled surveillance, after-hours motion-sensor alerts, and oversight from a central command centre.
Your Gold Stays Safe Until Your Loan Is Repaid
A simple, fully transparent process from valuation to vault.
Gold rate shared
Your RM shares the day's live gold rate with you.
Weighed & tested
Each ornament is weighed and purity-tested in front of you.
Loan calculated
Amount is computed transparently using weight and purity.
Funds disbursed
Money is transferred directly to your bank account.
Sealed & stored
Your gold is sealed and stored in high-security vaults with 24/7 AI cameras.
How to Get a Gold Loan from Piramal Finance?
From your first enquiry to money in your account - here's exactly what happens.
Visit Your Nearest Branch
Visit your nearest Piramal Finance Gold Loan branch with your gold
Know the Gold Rate Upfront
Get complete transparency with the prevailing gold rate shared with you before the valuation begins.
Transparent Gold Valuation
Your gold is assessed right in front of you, ensuring a fair and transparent valuation process.
Instant Bank Account Transfer
Once your loan is approved, the funds are transferred directly to your bank account.
Safe & Secure Gold Storage
Your pledged gold is securely sealed, digitally recorded, and safely stored until you repay the loan and collect it.
Need help? Contact our customer care team. Alternatively, you can , and our representative will get in touch with you.
Gold Loan Eligibility & Document Required
If you own gold, you're almost there
Who Can Apply
- ✓Indian resident aged 21 to 70 years.
- ✓Owns gold jewellery of 18K–22K purity.
- ✓Bank-minted gold coins accepted up to 50 grams.
Who Can Benefit from a Gold Loan
- ✓Business owners: Quick working capital without selling assets.
- ✓Salaried professionals: Reliable support during urgent financial needs.
- ✓Family managers: Funds for education, healthcare, or other responsibilities.
- ✓Women decision-makers: Safe handling of family gold with full transparency.
Documents Needed for Gold Loan
- ✓ID proof: Aadhaar, PAN, Passport, Voter ID, or Driving Licence.
- ✓Address proof: Aadhaar, utility bill, or rent agreement.
What to Bring
- ✓Gold: The gold jewellery or eligible gold you wish to pledge.
- ✓Documents: All the required documents mentioned above.
Gold Loan Fees & Charges
Clear, upfront pricing. Indicative figures shown below - exact charges are confirmed in your sanction letter.
The interest rate and charges applicable to a Gold Loan depend on factors such as the selected scheme, loan-to-value, tenure, repayment plan, gold value and applicable lender policies.
Piramal Finance currently states Gold Loan interest rates starting from 18% p.a. onwards*, with applicable processing fees and other charges disclosed as per the selected loan and prevailing policy.
- What affects the interest rate?
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Your applicable interest rate may depend on:
- ✓Loan amount
- ✓Loan-to-Value
- ✓Tenure
- ✓Repayment plan
- ✓Gold value and purity
- ✓Selected Gold Loan scheme
- ✓Applicable customer and lending criteria
- Processing fee
A processing fee may apply depending on the selected loan. Applicable fees and taxes are disclosed before the loan is sanctioned.
- Foreclosure and part-payment
Applicable foreclosure and part-payment charges depend on the current Gold Loan terms and scheme. Check the applicable charges before making an early repayment or part-payment.
- Other charges
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Depending on the applicable loan and circumstances, charges may include processing charges, penal charges, statutory levies, notice charges, safe custody charges, auction-related charges and other applicable charges.
Always refer to the applicable sanction letter, schedule of charges and current Piramal Finance policies for the exact amount.
| Charge | Indicative amount |
|---|---|
| Interest rate | 18% p.a. onwards* |
| Processing Fee for Fresh | Minimum ₹100 or up to 0.15% of the loan amount + GST |
| Foreclosure Charges | NIL |
| Penal Charges | 0.5% p.m. on the overdue amount |
| Safe Custody (post loan maturity) | ₹10/gm per month + GST |
| Stamp Duty & Statutory Levies | Actuals as per State Laws |
| Document Charges | NIL |
| Notice Charges | ₹ 200 + GST |
| SMS Charges | ₹6 per quarter (incl. GST) |
| Auction Charges | On Actuals |
*All figures are indicative and for illustration only. Actual rates and charges depend on the selected scheme and are subject to Piramal Finance's prevailing policies.
Check Gold Loan Interest Rates & ChargesGold Loan Repayment
Repayment is an important part of your Gold Loan because your pledged gold remains with the lender until the applicable outstanding dues are cleared and the loan is closed.
The repayment option available to you depends on your selected Gold Loan scheme and applicable terms.
How can you repay a Gold Loan?
Depending on your loan terms, repayment may be made through available digital or branch-based payment options.
Can you repay a Gold Loan early?
Early repayment or part-payment may be available depending on your loan scheme and applicable terms. Check the applicable charges and conditions before making a payment.
What happens after you repay your Gold Loan?
Once the outstanding principal, interest and applicable charges are fully paid:
- 1The loan account is closed as per the applicable process.
- 2You can approach the relevant branch with the required details and identification.
- 3Your pledged gold is verified.
- 4The pledged gold is returned according to the applicable loan-closure process.
What happens if you do not repay a Gold Loan?
If the loan remains unpaid, applicable overdue or penal charges may apply. Continued non-payment can lead to recovery action and, subject to applicable terms and due process, auction of the pledged gold.
For exact repayment schedules, charges and consequences of default, refer to your sanction letter and applicable loan terms.
Find a Gold Loan Branch Near You
Looking for a Gold Loan branch near you?
Visit a Piramal Finance Gold Loan branch to complete the physical gold valuation, documentation and loan process.
At the branch, you can:
- ✓Get your gold weighed
- ✓Get your gold purity assessed
- ✓Understand the applicable valuation
- ✓Complete KYC
- ✓Apply for a Gold Loan
- ✓Make applicable loan payments
- ✓Complete loan closure formalities
Select your city
Select your city to find a Piramal Finance Gold Loan branch.
Find a Gold Loan BranchGold Loan FAQs
What is a Gold Loan?
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A Gold Loan is a secured loan where eligible gold jewellery or gold coins are pledged as security against the loan. The loan amount is determined based on the assessed value of the eligible gold, applicable LTV and your eligibility.
Can I apply for a Gold Loan online?
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You can start your Gold Loan application online. Physical gold valuation and other applicable formalities may need to be completed at a Piramal Finance branch.
How much Gold Loan can I get?
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Piramal Finance offers Gold Loans from ₹25,000 up to ₹50 lakh*, subject to eligibility, applicable LTV, physical gold valuation and prevailing loan terms.
What is the Gold Loan interest rate?
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Piramal Finance currently states Gold Loan interest rates starting from 18% p.a. onwards*. The applicable rate depends on factors including the loan scheme, LTV, tenure, repayment plan and prevailing policies.
What is Gold Loan LTV?
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Gold Loan LTV, or Loan-to-Value, is the ratio of the loan amount to the assessed value of the pledged gold. The applicable LTV is determined according to regulatory guidelines and the lender's prevailing policies.
What gold purity is accepted for a Gold Loan?
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Gold jewellery and ornaments with 18K to 22K purity are accepted for a Gold Loan. Eligible bank-minted gold coins are also accepted, subject to applicable requirements.
How is gold valued for a Gold Loan?
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Gold is assessed based on factors such as its purity and net eligible weight along with the applicable gold rate. The applicable LTV is then used to determine the eligible loan amount.
Does the weight of stones count when getting a Gold Loan?
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Non-gold components such as stones are generally not counted as eligible gold weight during valuation. The final valuation is determined through physical assessment.
What documents are required for a Gold Loan?
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You may need valid identity proof, address proof and the eligible gold you want to pledge. Additional documents may be required depending on the loan and applicable policies.
Who can apply for a Gold Loan?
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Eligible Indian residents who meet the applicable age, KYC, gold and lending criteria can apply. Salaried, self-employed, business owners, farmers and homemakers may be eligible subject to applicable requirements.
What happens to my gold after I take a Gold Loan?
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Your pledged gold is securely sealed and stored until the loan is closed and applicable outstanding dues are paid.
When will I get my gold back?
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Your pledged gold can be collected after the outstanding loan amount and applicable dues are fully paid and the applicable loan closure process is completed.
Is a Gold Loan better than selling gold?
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A Gold Loan and selling gold are different financial options. A Gold Loan allows eligible gold to be pledged as security while retaining ownership subject to the loan terms, whereas selling gold transfers ownership. The suitable option depends on your financial requirements and circumstances.
How can I calculate my Gold Loan amount?
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You can use the Piramal Finance Gold Loan Calculator by entering the weight and purity of your gold to get an indicative estimate. The final loan amount is subject to physical valuation, applicable LTV and eligibility.
Explore Gold Rates Across Different Cities
Today's indicative gold rate and gold loan availability in cities near you.
What Our Borrowers Say
The AI photo estimate told me roughly what I'd get before I even left home. At the branch the amount matched closely. Money was in my account the same hour.
They weighed and tested my bangles right in front of me and explained every charge. No hidden fees, and I got a digital receipt instantly. Very transparent.
I was worried about safety, but seeing the sealed packet and the vault monitoring put me at ease. Repaid early with zero foreclosure charges.