You keep ownership
The gold is pledged as security for the loan term, not sold.
Gold Loan
Gold Loans
Raise funds against gold holdings through ANG-FINTECH’s network of partner banks and NBFCs, without selling what you own.
Overview
Borrow against gold you already hold
A gold loan is a secured loan against gold ornaments or bank-minted coins you already own. The gold is valued and held by the lending partner for the duration of the loan and returned when the loan is closed.
Because the borrowing is backed by the pledged gold, the document set is shorter than for most other products — as the list below shows. ANG-FINTECH helps you approach a suitable lending partner, which values the gold and sets the terms.
Why this product
What a gold loan gives you
Short document set
KYC, two photographs and the gold loan application form.
Open to many occupations
Salaried, self-employed professionals, businessmen, farmers and traders can apply.
Ornaments and coins
Ornaments of 18K to 22K purity, and bank-minted coins as set out in the criteria.
Eligibility Criteria
Are you eligible?
If you meet the basic criteria below, you are eligible to apply for a gold loan.
- Nationality should be Indian.
- Minimum age: 21 years and maximum age: 70 years.
- Purity of gold should be 18K to 22K.
- If bank-minted coins, then 24 karats and up to 50 gms per applicant.
- The applicant should be salaried, a self-employed professional, a businessman, a farmer or a trader.
Documents Required
What you will need to submit
Below are the documents required for completing your application process.
- KYC documents
- Aadhaar Card
- Voter's ID
- Passport
- PAN Card
- 2 passport size photographs
- Application form for the gold loan
Quick Loan Process
How your application moves
Five steps from first conversation to disbursal. Timelines and the final decision rest with the lending partner.
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Talk to an Expert
Tell us what you need and an advisor helps you shortlist a suitable lender.
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Submit your documents
Share your KYC, income and product-specific paperwork.
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Verification
The lending partner reviews your profile and validates the documents.
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Loan processing
Your application is processed by the partner bank or NBFC.
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Disbursal
On approval, the sanctioned amount is released as per the lender’s terms.
More from ANG-FINTECH
Explore our other loan products
Six core products, sourced across our network of partner banks and NBFCs.
Get a gold loan with ANG-FINTECH
Talk to an advisor about your requirement and we will help you find a suitable lending partner from our network.