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Gold Loan with Suvarna Raksha

Get instant access to funds without selling your gold.
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Key Features

Loan Amount:

₹ 25,000 - ₹ 50,00,000

Loan Tenure:

3 months to 12 months

Type of Gold Accepted:

Gold jewellery, ornaments, and bank-issued coins between 18-22 karat

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Why Choose Piramal Finance Gold Loan?

Safety. Speed. Transparency.

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Safety – Suvarna Raksha Protects Your Gold
  • Stored in BIS-certified vault systems
  • Dual-key restricted access to vault lockers
  • Three-layer interlocking security doors
  • AI-enabled 24×7 surveillance monitoring
  • Motion-sensor alerts after working hours
  • Central command centre oversight
Speed – Quick Access to Funds When You Need It
  • Gold valuation happens immediately in front of you
  • Loan eligibility is calculated instantly
  • Funds are transferred directly to your bank account
  • Minimal documentation that keeps the process simple
Transparency – A Process You Can See
  • Gold rate is shared before valuation begins
  • Each ornament is weighed separately
  • Purity is tested and explained clearly
  • Two valuers verify the assessment
  • Each packet is digitally recoded
Flexible Repayment Plans That Work for You
  • Pay interest periodically or at loan closure
  • Repay early without complications
  • Part-release gold after partial repayment
  • Select from multiple loan schemes
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More Information

Gold Loan Interest Rate & Charges

Features Details
Interest Rate 15% - 30% p.a.
Processing Fee for Fresh 0.15% of loan amount (Min ₹100) + GST
Processing Fee for Top-up ₹ 200 + GST
Processing Fee for Renewal ₹ 200 + GST
Convenience Fee for Part Release NIL
Foreclosure Charges NIL(Minimum of 15 days interest will be charged if loan is closed within 15 days)
Penal Charges 0.5% p.m. (6% p.a.) on overdue amount
Insurance Charges [To be confirmed by Business]
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 per notice + GST
SMS Charges ₹6 per quarter (incl. GST)
Auction Charges On Actuals
Mark-to-Market charges ₹ 500
Features Details
Interest Rate 15% - 30% p.a.
Processing Fee for Fresh 0.15% of loan amount (Min ₹100) + GST
Processing Fee for Top-up ₹ 200 + GST
Processing Fee for Renewal ₹ 200 + GST
Convenience Fee for Part Release NIL
Foreclosure Charges NIL(Minimum of 15 days interest will be charged if loan is closed within 15 days)
Penal Charges 0.5% p.m. (6% p.a.) on 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 per notice + GST
SMS Charges ₹6 per quarter (incl. GST)
Auction Charges On Actuals
Mark-to-Market charges ₹ 500

List of Documents Required for Gold Loan

  • Loan Application form
  • End use declaration
  • Declaration of the Borrower confirming ownership, purity and weight of the eligible collateral security
  • Consent to obtain Aadhaar details for authentication with UIDAI for “e-KYC” purpose
  • Income documents wherever applicable

LTV Policy

  • As per IBJA norms/ Internal committee approved benchmarks
  • The maximum LTV ratio shall not exceed the LTV ratios as provided in the table below, as per RBI policy (RBI/DOR/2025-26/347 DOR.CRE.REC.No. /07-01-008/2025-26) dated November 28, 2025
Total loan amount per borrower Maximum LTV ratio
Up to ₹2.5 lakh 75%
Above ₹2.5 lakh & up to ₹5 lakh 70%
Above ₹5 lakh 65%

Auction Policy

Gold loans are extended against pledge of eligible collateral. The borrower is liable to service the loan in accordance with the sanction terms. In event of the loan remaining un-serviced as per sanction terms, Piramal Finance would exercise its rights to recover the dues by way of auction of pledged gold jewellery. Surplus, if any, shall be refunded to the borrower. Deficit, if any, shall be recovered from the borrower

Notwithstanding anything stated herein, Piramal Finance reserves the right to recall the loan and auction the gold before the maturity of loan in case of events leading to probable loss on account of fall in the value of security due to fall in gold prices or any other reason due to which Piramal Finance anticipates that there could be loss in the account

Following type of accounts may be considered for Auction:

  • Overdue Accounts
  • Margin Breach Accounts
  • Spurious / Low purity gold identified in audit
  • Default in other linked relationships with Piramal Finance

(Piramal Finance may take decision to auction or hold back certain accounts depending upon response / requests from borrowers)

How does the Process Work?

A simple, transparent journey from start to finish:

Bring your gold

Know the gold rate upfront

See the valuation happen in front of you

Confirm your loan amount

Receive funds in your bank account

Collect your gold after repayment

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How does the Process Work?

A simple, transparent journey from start to finish:

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Who can Apply for a Gold Loan?

Piramal Finance Gold Loan is designed for real customer needs and supports customers across situations:

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  • Row 1

    • Business Owners
    • Salaried Professionals
    • Families Managing Expenses
    • Women Decision Makers

  • Row 2

    • Quick working capital without selling assets
    • Reliable support during urgent financial needs
    • Funds for education, healthcare, or responsibilities
    • Safe handling of family gold with full transparency
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How to Get a Gold Loan from Piramal Finance?

Getting a gold loan from Piramal Finance is simple.

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Apply for a Gold Loan Today

Visit your nearest Piramal Finance Gold Loan branch or call 1800-266-6444 to get started.

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Frequently asked questions

What is a gold loan?

A gold loan allows you to borrow money by pledging your gold jewellery or bank-issued gold coins as security. You can access funds without selling your gold, and once the loan is repaid, your jewellery is returned to you.

Is my gold safe?

This is the most common concern customers have.

With Suvarna Raksha, your gold is protected at every step.

After valuation:

  • Your jewellery is placed in a tamper-proof sealed bag
  • The packet is barcoded and digitally recorded
  • It is stored inside a high-security vault

Our vault security includes:

  • 24×7 monitored cameras
  • Motion sensors and security doors
  • Dual-key vault access controlled by authorised staff

Your gold remains fully protected until you come back to collect it.

Will I get the same gold back?

Yes. The pledged gold is safely returned to you upon closure of the loan.

What type of gold is accepted?

We accept gold jewellery and ornaments with purity between 18 and 22 karat.

How quickly will I receive the money?

Once the valuation is done:

  • We immediately calculate your eligible loan amount
  • The process requires minimal documentation
  • The loan amount is transferred directly to your bank account

This makes gold loans useful for situations like:

  • Medical expenses
  • Education fees
  • Family needs
  • Business cash flow
  • Unexpected situations

How much loan will I get?

You can get a loan from ₹25,000 to ₹50,00,000, depending on the value of your gold.

What is the Loan-to-Value (LTV)?

The loan amount is calculated based on RBI-approved LTV guidelines linked to the value of your gold.

How will I know the correct value of my gold?

With Suvarna Raksha, the entire valuation happens in front of you. We will:

  • Share the gold rate for the day
  • Test the purity of each gold item
  • Weigh every piece separately
  • Verify the assessment with two valuers

So, you always know exactly how your loan amount is calculated.

What happens during the loan tenure?

You receive payment reminders and can track your loan details anytime on the Piramal Finance App.

Can I track my loan details?

Yes. You receive a Digital Gold Deposit Receipt (GDR) confirming your gold is safely stored with Piramal Finance.

You can also view your loan details anytime through the Piramal Finance App, including:

  • Loan amount
  • Repayment details
  • Tenure
  • Your GDR

So, you always have complete visibility of your loan.

How to repay the loan?

You can repay the interest during the tenure and close the loan whenever you’re ready.

What are the payment options?

You can make payments easily through the Piramal Finance App or directly at the branch.

What about hidden charges?

With Suvarna Raksha, all loan details and charges are explained upfront, so everything stays clear and transparent.

What happens when I close the loan?

Once the loan is repaid:

  • We prepare your gold items for return immediately
  • You collect the same gold items back safely

What type of gold can I pledge to avail a gold loan from Piramal Finance?

You can pledge any type of gold ornaments or gold jewellery to avail a gold loan. For a detailed and exhaustive list of eligible items, you may consult the executives at your nearest Piramal Finance branch.
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Apply Loan Now

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