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indiagold Gold Loan Details

Loan amountDepends on the loan requirement & gold’s value
Interest rate10.68% to 19.8% p.a.
Tenure6 to 12 months
Gold purity18K & above
Operation citiesDelhi NCR, Mumbai, Chennai, Indore, Hyderabad, & Surat
Processing feeNil
Foreclosure chargesNil

indiagold Gold Loan App

indiagold is a mobile-based app that provides instant gold loans and secure gold locker services in Delhi NCR, Surat, Indore, and Hyderabad. indiagold’s gold loan and locker services will soon be available all over India. The indiagold app is trusted by more than 10 Lakh customers. Apart from applying for gold funding, you can also purchase 24k digital gold and gold coins and invest in 24k gold through the indiagold app. The app can be downloaded on Android & iOS mobile devices.

indiagold Loan Interest Rates

The indiagold loan interest rates vary depending on the scheme availed of by the borrower. Following are the details of interest rates:

  • Loan below Rs. 2 Lakhs: Interest rate varies from 15% to 19.8% p.a., and the repayment tenure ranges from 6 to 12 months.
  • Loan between Rs. 2 Lakhs to Rs. 5 Lakhs: Interest rate varies from 13.8% to 19.8% p.a., and the repayment tenure ranges from 6 to 12 months.
  • Loan above Rs. 5 Lakhs: Interest rate varies from 10.68% to 19.8% p.a. and the repayment tenure ranges from 6 to 12 months.

Benefits of indiagold Gold Loan

  • Low interest rate starting at just 10.68%.
  • Highest rate per gram.
  • Zero processing fee and foreclosure charges
  • Rebate on timely payment..
  • Minimal documentation requirement.
  • Availability of loan at home service.
  • Top-up loan available.
  • Instant and smooth loan processing with instant money transfer.
  • Gold loan balance transfer facility available lets you save up to Rs. 12,000 per Lakh.

How to Apply for indiagold Gold Loan?

You can apply for a gold loan at indiagold company in just 3 easy steps as mentioned below: 

  • Raise a request: Visit the official website or mobile app of indiagold and click on the “Apply Now” button. You would need to fill in your mobile number and PIN code. After clicking on the “Submit” button, a Relationship Manager will contact you to answer any queries you have. On your confirmation, they will schedule a visit of a Loan Manager who will arrive at your given location for loan processing.
  • Process the loan from your home: When the Loan Manager arrives at your location, you have to confirm the 6 digit OTP with them. The Loan Manager will answer all your queries and fill the loan application form for you. After the form is submitted, the approved loan amount is transferred to your bank account instantly.
  • Gold is deposited in secure vaults: The gold ornaments mortgaged by you are then safely deposited in secure lockers till the maturity of your loan tenure. During this period, your gold is kept safe and you also get free gold insurance from New India Assurance Co. Ltd. without paying anything for this. Whenever you want to close your loan or complete your instalments, the mortgaged gold is safely delivered back to you at your location.

You can WhatsApp us indiagold at 9310366544 or give a Miss Call on 1800-123-999-888 for any assistance or details regarding thegold loan.

Eligibility Criteria for indiagold Gold Loan

  • Gold purity should be 18k or above. 
  • The services of indiagold are restricted to customers aged 18 years or older. 

Document Required for indiagold Gold Loan

When the Loan Manager arrives at your location, you have to provide the following documents to start your loan application:

  • Identity proof such as Aadhaar Card, Passport, PAN Card, Voter ID, or Driving License.
  • Address proof such as Aadhaar Card, Driving License, Voter ID, Passport, Utility Bill (Phone, Electricity, Gas, Water, or Broadband, etc.), or Lease Agreement of local address ( with the same address mentioned in your utility bill if your permanent address is different from the current residential address).
  • Form 60 or PAN Card. 
  • Your recent photograph.
  • If you are shifting your loan from an existing lender to indiagold for better rates or higher loan amount, you are also required to submit the Pledge card (which is a letter issued by your current lender of the existing gold loan) with details of ornaments that you have pledged.

indiagold Customer Care

You can contact indiagold customer care through any of the following ways:

  • Request a call back by providing your mobile number on the website/app of indiagold. 
  • Give a missed call at 1800-123-999-888. 
  • WhatsApp at +91-9310366544.
  • Send an email at hello@indiagold.co
  • You can visit indiagold offices available in New Delhi, Gurgaon, Indore, Surat, and Hyderabad mentioned below:
    • Delhi Office:

2nd Floor, 10200, BLOCK -S

Gururdwara Road, Naiwala, Karol Bagh

Above ICICI Bank

Delhi – 110005

  • Gurgaon Office:

Innov8, 3rd Floor, Orchid Centre

Golf Course Road, Sector 53

Gurgaon, Haryana- 122022

  • Indore Office:

3rd floor, Workie Tower, SP-365

Janjeerwala Square, New Palasia

Indore-452001

  • Surat Office:

216, Nishal Arcade, Near Nishal Circle

Opposite Vaishali Raw House Pal Gam

Surat, Gujarat- 394510

  • Hyderabad Office:

4th floor, Office No. 407, Ameerpet Rd

Greenlands, Begumpet

Hyderabad, Telangana- 500016

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Indiagold Gold Loan FAQs

Is indiagold app safe?

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Yes, the Indiagold app is completely safe. To ensure your gold ornaments’ safety, they have partnered with reputed banks trusted across India. Once submitted, your ornaments are sealed in a GPS secured bag and transported from your home to the bank branches by their security partner Brinks. On the arrival of ornaments at the bank branches, they are stored in secure bank lockers under bank-grade security & surveillance, ensuring utmost safety. Your mortgaged gold is fully insured against any theft/accident during transit from and to your doorstep with trusted New India Assurance.

Can we get a loan to buy gold in India?

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You can get a personal loan to buy gold in India. However, on October 30, 2012, the Reserve Bank of India (RBI) put a blanket ban on all banks against providing any loans to their customers for buying gold in any form, be it gold jewelry, gold coins, gold bullion, units of gold mutual funds, or even gold Exchange Traded Funds.

What does indiagold do?

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Indiagold provides various services through its digital platform, such as gold loan, gold purchase, and gold investment.

What is the process of applying for a loan?

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You can apply for indiagold startup gold loan by following the steps mentioned below: 

  • Visit the official website or download the mobile app of indiagold.
  • After indiagold login, click on the “Apply Now” button.
  • Enter your mobile number and PIN code and click on the “Submit” button. 
  • A Relationship Manager will contact you and on your confirmation, they will schedule a visit of a Loan Manager who will arrive at your given location for loan processing.
  • When the Loan Manager arrives at your location, you have to confirm the 6 digit OTP with them. 
  • The Loan Manager will fill the loan application form for you. 
  • After the form is submitted the approved loan amount is transferred to your bank account instantly.
  • The gold ornaments mortgaged by you are then safely deposited in secure lockers till the maturity of your loan tenure. During this period, your gold is kept safe and you also get free gold insurance from New India Assurance Co. Ltd. without paying anything for this. 
  • Whenever you want to close your loan or complete your instalments, the mortgaged gold is safely delivered back to you at your location.

Which cities are they presently active in?

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Indiagold is presently active in Delhi NCR, Hyderabad, Indore and Surat cities.

What are the repayment options?

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Indiagold app offers flexible repayment options, including: 

  • You can make interest payment, foreclosure payment, and part payment. 
  • Interest payment is the payment of interest on your principal amount every month.
  • Closure payment is the loan closure amount to be paid to release all your jewelry.
  • Part payment is the payment you can make anytime more than the interest payable for that month.

What type of gold do you accept for a gold loan?

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Indiagold accepts all gold jewelry of 18 carats and above. It does not accept gold coins, biscuits and bars. The gold purity and value is assessed by indiagold’s trained and expert valuers.