Gold Loan

The gold in your locker, working for you today.

A gold loan turns jewellery you already own into same-day cash, at rates far below unsecured credit — with your gold safely stored and returned in full once the loan closes.

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Up to 75%

Of gold value

9%+

Starting rate

Same day

Disbursal

3 Yrs

Max tenure

Why choose this with us

Benefits built around the borrower.

A short list of what actually changes when you apply through Financeway instead of walking into a branch.

Same-day disbursal

Gold is appraised on the spot and funds are released within hours at most partner branches.

Lower rates than unsecured loans

Because the loan is fully secured by gold, rates run well below personal loans or credit cards.

Secure, insured storage

Your jewellery is kept in insured bank vaults for the entire loan tenure.

Minimal documentation

Just KYC is usually enough — no income proof or credit history check required at most lenders.

Flexible repayment options

Choose regular EMIs, interest-only payments, or a bullet repayment at tenure end, depending on the lender.

Full gold returned on closure

Once the outstanding amount is cleared, your jewellery is returned to you in the same condition.

Loan Instrument

See your EMI before you apply.

Move the sliders — the split between principal and interest updates in real time.

Loan Amount ₹300,000

Interest Rate (p.a.) 10.50%

Tenure 24 months

Apply at this EMI →

Estimated Monthly EMI

₹21,494

● Principal
₹10,00,000

● Interest
₹2,89,640

Gold Loan

What you'll need

Keep these ready to speed up your application.

Documents Required

Keep these ready — our representative collects them at your doorstep.

PAN Card
Aadhaar Card
Passport-size photograph
Gold jewellery for appraisal
Proof of ownership of gold (if requested)

Eligibility Criteria

A quick self-check before you apply.

Age 18 years and above
Valid KYC documents
Gold jewellery of 18–24 karat purity (varies by lender)
No prior lien on the gold being pledged
Indian resident

Questions

Frequently asked questions

Lenders typically offer 60–75% of the gold's market value, based on purity and current gold rates, subject to RBI-mandated loan-to-value limits.

Yes, pledged gold is stored in insured, secure vaults and is legally required to be returned in full once the loan is repaid.

Lenders usually allow a grace period and send reminders before any action; prolonged default can eventually lead to the gold being auctioned to recover the dues, so timely repayment is important.

Most lenders allow renewal or part-payment followed by a fresh loan on the same gold, subject to current valuation and lender policy.