Simple & fast

Gold Loan Process & Documents

From valuation to disbursal in five simple steps - with minimal paperwork and your gold kept safe until you repay.

5 simple steps Minimal documents

To get a Piramal Finance gold loan, apply online or visit a branch, get your gold weighed and purity-tested in front of you, complete a quick KYC, and receive funds in your bank account. Your gold is then sealed and stored securely until repayment.

Gold Loan Calculator

Get an instant, indicative estimate in seconds.

Gold weight (grams)

Purity

You could get a loan of up to

₹0

📌 How to use: Enter the total weight of the jewellery you want to pledge and pick its purity (check the hallmark). We apply up to 75% LTV on the gold value.

*Indicative only. Final amount depends on physical purity testing & weight at the branch.

Step by step

How to apply in 5 simple steps

Apply online or walk in

Fill a short form for a callback, or visit your nearest Piramal Finance branch with your gold.

Gold valuation in front of you

Each ornament is weighed and purity-tested transparently at the day's gold rate.

Instant loan offer

Your eligible amount is calculated from weight and purity, and the terms are shared with you.

Quick KYC

Submit your ID and address proof.

Funds + digital receipt

Money is transferred to your bank account in as little as 30 minutes, with a detailed digital receipt.

Documents

Documents required

Carry any one from each category. That's all - no income proof, no guarantor.

ID proof (any one)

✓Aadhaar card
✓PAN card
✓Passport
✓Voter ID
✓Driving Licence

Address proof (any one)

✓Aadhaar card
✓Passport
✓Utility bill (electricity / water)
✓Rent agreement

Also bring

✓Income proofs like salary slips, Income Tax Returns (ITR), Form 16, and bank statements
✓The gold jewellery / coins to pledge
✓Bank account details for disbursal

*KYC is as per RBI norms. Aadhaar can serve as both ID and address proof.

What you can pledge

Eligible Gold

Gold jewellery

Ornaments of 18K to 22K purity - bangles, chains, necklaces, rings and more.

Gold coins

Bank-minted gold coins are accepted up to 50 grams, as per RBI guidelines.

Tested for purity

Purity is confirmed by non-destructive testing at the branch before valuation.

Safely secured

What happens to your gold after disbursal

Sealed in front of you

Your gold is packed in a tamper-evident packet, sealed and signed in your presence.

High-security vaults

Stored in secure, insured vaults - protect against physical risks, insurance protects financial value.

24/7 AI monitoring

Vaults are monitored round the clock with surveillance, so your gold stays protected

After disbursal

Repaying & closing your loan

Ways to repay

✓Pay EMIs on the Piramal Finance app or website.
✓UPI, net banking or auto-debit (NACH).
✓Part-pay anytime with no charges. See interest & charges.

Ways to repay

✓Repay the outstanding amount in full.
✓Visit your branch with the loan details and your ID.
✓Your sealed packet is returned, intact, after verification.
✓Receive a No-Objection Certificate (NOC).

Questions

Process & documents FAQs

How do I apply for a Piramal Finance gold loan?

You can apply online by filling a short form for a callback, or simply walk into your nearest branch with your gold. After valuation and a quick KYC, funds are disbursed to your bank account.

What is the gold loan application process?

Visit a branch with your gold and ID/address proof. Your gold is weighed and purity-tested in front of you, the loan amount is calculated transparently, and funds are disbursed to your bank account.

What documents do I need for a gold loan?

Just one ID proof (Aadhaar, PAN, Passport, Voter ID or Driving Licence), Income proof and one address proof.

Do I need a guarantor?

No guarantor is required for a Suvarna Raksha gold loan.

Is the gold valuation done in front of me?

Yes. Your gold is weighed and purity-tested transparently in your presence, and the loan amount is calculated using the day's gold rate.

How is my gold stored during the loan?

Your gold is sealed in a tamper-evident packet in front of you and stored in high-security, insured vaults under 24/7 monitoring until you repay.

How do I repay my gold loan?

You can pay EMIs via the Piramal Finance app or website, UPI, net banking, auto-debit (NACH). Part-payment and foreclosure carry no charges.

How do I get my gold back?

Once you repay the outstanding amount in full, visit your branch with your ID and loan details; your sealed packet is returned intact after verification, along with an NOC.

Can I get a gold loan without income proof?

No. A gold loan is secured against your gold and income proofs like salary slips, Income Tax Returns (ITR), Form 16, and bank statements are needed.