Unlock Value in Gold,
Instant Liquidity.
Turn your gold ornaments into quick funds with minimum documentation, transparent valuation, and absolute safety in government-approved vaults.
Current Gold Loan Schemes
Transparent and affordable gold loans for immediate needs.
Standard Gold Loan
Key Features & Benefits
Flexible Loan Amounts
Avail quick gold loans from ₹1,000 up to ₹2 Lakhs depending on your immediate financial requirements.
Customized Tenures
Choose flexible repayment periods ranging from 1 month up to 12 months with easy renewal options.
Transparent Valuation
Fair, standard gold evaluation based on current market rates for maximum loan value.
No Prepayment Penalty
Repay your loan earlier than the scheduled maturity date anytime without any foreclosure charges.
High Security Vaults
Your gold ornaments are stored in strongrooms with electronic surveillance and insurance coverage.
Minimal Documentation
Simplified paperless verification for registered members ensures rapid disbursement.
Nidhi Regulatory Guidelines
- Gold loans are offered strictly to active registered members & shareholders of the Nidhi company.
- Gold ornaments pledged must meet minimum purity standards (typically 22 Karat).
- Maximum loan-to-value (LTV) limits are strictly governed under Ministry of Corporate Affairs Nidhi Rules.
- Pledged gold remains completely safe and untouched until loan closure & release.
Required Documents
Please bring original documents for instant verification at our branch along with your gold ornaments.
KYC & Identity Proof
- Aadhaar Card
- PAN Card
- Voter ID / Driving License
- Passport Size Photographs (2 Copies)
- Jakanoor Member ID Card
Valuation & Security
- Gold Ornaments for Pledging (22 Carat minimum)
- In-branch instant purity evaluation by certified valuer
- Immediate vault sealing & receipt issuance
- Transparent ornament weight breakdown sheet