Gold Loan Eligibility Criteria
If you own gold, you're almost there.
Gold Loan Calculator
Get an instant, indicative estimate in seconds.
*Indicative only. Final amount depends on physical purity testing & weight at the branch.
Gold loan eligibility
You're eligible if you
- ✓Are an Indian resident aged 21 to 70 years.
- ✓Own gold jewellery or coins of 18K–22K purity.
- ✓Can provide a valid ID and address proof.
- ✓Are salaried, self-employed, a business owner, farmer or homemaker.
Eligibility at a glance
| Age | 21 – 70 years |
| Nationality | Resident Indian |
| Occupation | Any (salaried, self-employed, business, farmer, homemaker) |
| Gold purity | 18K – 22K jewellery or coins |
| Coins | Bank-minted, up to 50 grams |
| Income proof | Required |
Eligible across every walk of life
Salaried
No salary slips needed - your gold is the security.
Self-employed
Shopkeepers, traders and freelancers welcome.
Business owners
Quick working capital without lengthy approvals.
Farmers
Fund seasonal or agricultural needs against gold.
Homemakers
Use household gold for emergencies or goals.
Senior citizens
Eligible up to age 70, with the same simple process.
Professionals
Doctors, lawyers and consultants - all welcome.
What gold is eligible?
Accepted
- ✓Gold jewellery and ornaments of 18K to 22K.
- ✓Hallmarked (916) jewellery.
- ✓Bank-minted gold coins up to 50 grams.
Not accepted
- ×Gold below 18K purity and non-bank minted gold coins.
- ×Gold bars / bullion and coins above 50g.
- ×Jewellery with stones counted as gold weight (only gold content is valued).
How much can you get?
Estimate your eligible loan amount from your gold's weight and purity.
*Indicative. Final amount depends on physical weight & purity testing at the branch.
What affects how much you can borrow
Gold weight
More net gold weight means a higher eligible loan.
Purity
Higher karat (22K) gold is valued higher per gram.
Gold rate
The day's market gold rate sets the value of your gold.
Documents you'll need
Minimal paperwork - just proof of who you are and where you live.
- ✓ID proof: Aadhaar, PAN, Passport, Voter ID or Driving Licence.
- ✓Address proof: Aadhaar, Passport, utility bill or rent agreement.
- ✓Photograph: one recent passport-size photo.
- ✓The gold you wish to pledge.
- ✓Income proofs like salary slips, Income Tax Returns (ITR), Form 16, and bank statements