turn your gold into quick funds
FINANCE POINT | SINCE 1998

Loan Against Gold

Explore Finance Against Eligible Gold Jewellery

A gold loan allows eligible customers to borrow by pledging acceptable gold jewellery with a lender. Finance Point helps you understand available options and the application requirements.

Serving clients since 1998, we provide transparent guidance so you can review the repayment terms and charges before proceeding.

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OUR SCOPE

Gold Loan Assistance

We help customers explore bank and NBFC lender options for personal or business requirements, subject to permitted end-use:

Eligible Jewellery

Guidance on acceptable gold purity levels, ornament types, and lender-specific requirements.

Valuation & Loan Amount

Understand how lenders assess net weight, purity, and maximum Loan-to-Value (LTV) limits.

Interest & Charges

Clear breakdown of applicable interest rates, processing fees, and valuation charges before applying.

Repayment Options

Explore flexible repayment modes including regular EMIs, interest-only payments, or bullet payments.

Release of Jewellery

Clear guidance on the step-by-step process and documentation required for releasing pledged ornaments upon full closure.

VALUATION PROCESS

How Is the Loan Amount Determined?

The lender’s approved valuer assesses the gold's purity, eligible net weight (excluding stone weight), and current market value.

  • The sanctioned amount depends on RBI guidelines and lender LTV limits
  • Calculated strictly based on the net weight of pure gold content
  • Original jewellery purchase price or retail invoice value does not equal the value used for loan assessment
IMPORTANT TERMS

Understand Your Repayment Terms

Before accepting a gold loan, carefully review repayment schedules, interest calculation methods, and additional charges.

  • Understand due dates and interest accrual structures
  • Review default penalties and delayed payment interest charges
  • Confirm early repayment/preclosure conditions

Pledged Gold Risk Notice:

Pledged gold jewellery may be subject to legal recovery or auction by the lender if repayments are not made according to the agreement. Always understand the lender’s default and auction terms before proceeding.

CHECKLIST

Documents and Assessment

Common requirements for initiating a gold loan assessment include:

  • PAN card and applicable identity/address proof (Aadhaar, Passport, Voter ID)
  • Eligible gold jewellery present for physical valuation by the lender
  • Additional ownership declarations or documents required by the lender
  • Bank account details for loan disbursement

*Eligibility, ownership verification requirements, and any further compliance checks depend on the selected lender.

OUR ADVANTAGE

Why Choose Finance Point?

Simple Guidance

We explain gold loan options, valuation rules, and repayment options in plain, simple language.

Transparent Process

We ensure you completely understand interest terms, fees, and closure formalities beforehand.

Lender Coordination

Our team coordinates with reputed banking and NBFC partners for smooth processing.

Regional Presence Since 1998

Decades of local expertise serving customers across Kharar, Mohali, Chandigarh, and nearby areas.

GOT QUESTIONS?

Frequently Asked Questions

Accepted gold forms vary by lender. While most lenders primary accept gold jewellery, some may accept specific mint-issued gold coins up to bank weight limits. Confirm eligibility before applying.
Release of pledged jewellery follows full loan repayment (principal plus accrued interest) and completion of the lender’s required account closure formalities.
Yes, early repayment options and any applicable foreclosure or preclosure conditions depend on the specific loan agreement with the lender.
TAKE THE NEXT STEP

Discuss Your Gold Loan Requirement

Speak with our advisors today to understand gold loan valuation and explore suitable options across Kharar, Mohali, and Chandigarh.

Call: +91 99141-28390 +91 99148-28390

Visit: SCO 82-C, City Heart Complex, Kharar, SAS Nagar, Mohali, Punjab
Disclaimer: Finance Point is a loan consultancy and DSA. Valuation, approval and loan terms are decided by the lender. No advance consultancy fee is charged by Finance Point; applicable consultancy fees and lender charges will be explained before proceeding.
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