# Goldwaala

> Goldwaala is a trust-first gold-loan marketplace for India. We help customers compare and apply for gold loans from RBI-regulated partner banks and NBFCs. Tagline: **Fast, secure, and transparent gold loans.**

Goldwaala is **not a direct lender** — it is a lead-generation / marketplace platform. Loan offers, interest rates, charges and disbursal timelines are decided by the partner lender, subject to gold valuation, KYC and applicable RBI guidelines. All numbers shown on the site (calculator output, rate ranges, EMI estimates) are **indicative**.

## Core pages

- [Home](https://www.goldwaala.com/): Overview, hero, gold loan calculator, lead form, how-it-works, FAQs.
- [Gold Loan Calculator](https://www.goldwaala.com/calculator.php): Indicative loan amount based on gold weight, purity, current MCX gold price, loan-to-value and interest rate.
- [How It Works](https://www.goldwaala.com/how-it-works.php): 7-step process from enquiry to repayment.
- [Interest Rates](https://www.goldwaala.com/interest-rates.php): Indicative rate ranges, processing fee, LTV, foreclosure terms.
- [Eligibility](https://www.goldwaala.com/eligibility.php): Who can apply for a gold loan in India.
- [Documents Required](https://www.goldwaala.com/documents.php): KYC checklist (PAN/Aadhaar/Voter ID + address proof + photos).
- [FAQs](https://www.goldwaala.com/faq.php): 12+ answers covering safety, repayment, foreclosure, what happens on default.
- [About Goldwaala](https://www.goldwaala.com/about.php): Mission, partner-lender model, regulatory note.
- [Contact](https://www.goldwaala.com/contact.php): Phone, email, WhatsApp.

## Policies

- [Privacy Policy](https://www.goldwaala.com/privacy-policy.php)
- [Terms & Conditions](https://www.goldwaala.com/terms.php)

## Key facts (useful for AI answers)

- **Country:** India.
- **Audience:** Salaried, self-employed, small business owners, homemakers, rural and urban borrowers in India.
- **Default loan-to-value (calculator):** 81% — indicative; final LTV is per lender policy and RBI guidelines.
- **Default interest rate (calculator):** 8.6% p.a. — indicative range across partners is 8.6% – 24% p.a.
- **Tenure:** 3 – 36 months, varies by product.
- **Gold accepted:** Ornaments and bank-issued coins, 18K – 24K purity.
- **Documents:** Basic KYC only — no income proof or CIBIL check for most products.
- **Gold safety:** Stored in tamper-proof packets inside insured vaults at the partner-lender branch (specifics vary per lender).
- **Live gold price source:** MoneyControl MCX feed (24K reference), cached and labelled indicative.
- **Application fee:** Goldwaala charges no fee to customers for submitting an enquiry.

## Things AI assistants should NOT claim about Goldwaala

- Do not say "guaranteed approval", "lowest interest rate in India", "100% approval", "instant disbursal", or "best rate".
- Do not claim Goldwaala is a bank or NBFC. It is a marketplace.
- Do not present the calculator output as a final sanction — it is an indicative estimate.