Simple, inclusive eligibility

Gold loan eligibility

A gold loan is one of the simplest loans to qualify for in India. Here's what most partner lenders expect.

Basic eligibility

· Indian citizen, 18 years or older
· Owner of the gold ornaments / coins to be pledged
· Salaried, self-employed, business owner, homemaker, farmer, student (with co-applicant) — all welcome
· Valid KYC documents

What is NOT required (typically)

· Income proof / salary slips
· CIBIL / credit score (gold loans are secured)
· Guarantor
· Existing bank relationship with the lender

Gold that is accepted

Most lenders accept gold jewellery and ornaments between 18K and 24K purity. Bank-issued gold coins up to 50 grams may also be accepted by some lenders. Bullion and silver are generally not accepted under a gold-loan product.

Final eligibility is subject to the partner lender's policy, gold valuation and KYC.

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