Together We Serve.
Loan Against Gold
Fast, Secure & Transparent
Dhan Vriddhi Gold Loan facility helps eligible members receive quick financial support against pledged gold ornaments with transparent valuation, secure storage, and flexible repayment options.
Loan Value
75%–80%
Of Approved Gold Value
Interest Rate
11%–13.80%
As per society policy
Tenure
3–12 Months
Extendable as per rules
About Gold Loan
Gold Loan is a secured loan facility offered against gold ornaments pledged by the member. It is suitable for members who need quick funds for personal, business, medical, education, or emergency needs.
The gold valuation is conducted by an authorised appraiser, and the loan amount is sanctioned based on purity, weight, market value, and society policy.
Key Features
- ✓ Instant and simplified loan processing
- ✓ Loan up to 75%–80% of approved gold value
- ✓ Minimal documentation requirement
- ✓ Secure gold storage under society process
- ✓ Flexible repayment options
- ✓ Transparent valuation and approval process
Eligibility
- ✓ Applicant must be a registered member of the society.
- ✓ Applicant must be minimum 18 years old.
- ✓ Member must have valid KYC documents.
- ✓ Gold ornaments should be acceptable as per society policy.
- ✓ Final approval depends on valuation and management decision.
Required Documents
- 📄 Membership ID
- 📄 Aadhaar Card / PAN Card
- 📷 Passport Size Photograph
- 📝 Loan Application Form
- 🏦 Account Payee Cheque
- 📋 Any additional document required during verification
Terms & Conditions
- Only gold ornaments of approved purity will be accepted.
- Gold coins/bars may not be accepted as per society policy.
- Final valuation will be done by authorised appraiser.
- Loan amount depends on purity, weight, and market value.
- Additional charges may include processing fee, appraisal charges, and late payment penalty.
Important Note
Gold Loan approval is subject to member eligibility, gold valuation, document verification, society rules, and final approval by management.