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If you need the funds to meet short-term requirements of life like a child's education, marriage, and other financial problems, then you can consider availing a Gold Loan. It is a loan that offers monetary support to people by involving gold as collateral.

Features of Gold Loan 

Following are the Features of Gold Loan:

  1. You can avail Loan up to Rs.1 Crore or more & up to 70% of value for any purpose
  2. You get 100% Safety & Security of your Gold Jewellery
  3. Get your Loan processed in less than 30 minutes
  4. Enjoy Anytime Liquidity. 
  5. No EMI, Service only Interest and enjoy the Loan facility
  6. Lower Interest Rates
  7. Simple documentation and fast processing.
  8. Overdraft limit varies depending on the market rate of gold.
  9. The interest rate is payable the only amount of the overdraft that you use.

Why one should choose Gold Loan in Patiala?

  1. Easily available
  2. No EMI, service only interest
  3. Minimal Documentation
  4. Fast Loan Approvals
  5. No credit checks
  6. No hidden charges
  7. Easy repayment schemes
  8. Simple Procedures

 Gold Loan Eligibility Criteria

  1. The minimum loan amount for taking a gold loan is Rs. 25,000. The maximum loan amount will depend upon the weight of the gold, profile of the customer, etc.
  2. Minimum age of applicant: 21 years
  3. Maximum age of applicant at loan maturity: 65 years
  4. Gold jewelry should be owned by the applicant or any of the family members

.Documents Required for Gold Loan

  1. Proof of Identity: Passport Copy/ Voters ID card/ Driving License/Adhaar card/PAN card.
  2. Address Proof: Ration card/ Tel, Electricity Bill/ Rental bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate.
  3. Signature Proof: Passport Copy/Driving License/Banker's verification/cheque.
  4. 2 passport size photographs

Advantages of Taking a Gold Loan

  1. No income and salary criteria-Gold loans do not require any documentation or validation for income or salary of the person. So even if you are unemployed and unsalaried you can still avail a gold loan. This is because you are pledging a valuable asset i.e. gold in return of the money.
  2. Can be provided in cases of bad credit history as well as low-income level.
  3. Relatively Lower interest rates-Another advantage of taking a gold loan is that they are available at low interest rates, say 12-16% annually in comparison to the personal loans interest rates of 15-26% per annum.
  4. You need to repay only the interest- You have the option to pay only the interest during the tenure of the entire gold loan and at the end of tenure, you can pay the entire borrowed amount in a single shot.
  5. Total Convenience-The most convenient of all the loans is a gold loan. This is because in this all you have to do is pledge your gold with a bank or a private finance institute and the work is done. You can get a loan up to 80% or more of its market value immediately.
  6. Less processing time- No tedious and lengthy documentation is required in case of gold loans. Banks take a few hours in the processing of the gold loan whereas some NBFC’s state that they only take a few minutes for the same task.
Gold Loan Scheme Loan Tenure / Period The rate of Interest (p.a.)
TrueValue Loan  12 months 12.5 % to 15.5 %

About Patiala

Patiala is the capital of Maharashtra. It is the most popular city in India. Patiala is entertainment, commercial and financial capital of India. It is the economic hub of India. It is a 4th most populated city in the world.

How to Apply?

We assure you the quick, easy and fast process. Apply for the Gold Loan and grab the best deal today. Unmatchable offers, features, and benefits are available. Apply now and grab the best deal. Visit

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