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    Gold Loan Documents

    Obtaining a gold loan with Airtel requires specific documents for verification and approval. You would need identification proof like Aadhaar or PAN card, address proof such as utility bills, and proof of gold ownership, which can include purchase receipts or self-declarations. These documents ensure a smooth process, and allow you to secure your loan quickly and efficiently.

    List of Gold Loan Documents

    Your Gold Loan application needs very few details!

    Identification Proof

    Aadhaar Card, PAN Card, Passport, Driving License

    Address Proof

    Utility Bill (Electricity, Water, Gas), Aadhaar Card, Voter ID,

    Passport Proof of Gold Ownership

    Purchase Receipt, Invoice, Self-Declaration of Ownership

    Other Supporting Documents

    Recent Passport-sized Photographs, Bank Statements

    Benefits of Gold Loan

    Hassle-free gold loan is now at your doorstep with Airtel Finance

    Low interest rate

    Just 1.08% per month

    Instant disbursal

    Get quick gold loan

    Your gold is secure

    In RBI-approved lockers

    How to apply for a Gold Loan?

    Get a gold loan from Airtel Finance with a few steps

    Open Airtel Thanks App

    Find Shop > Airtel Finance

    Select Airtel Gold Loan

    Fill in your basic details

    At home or branch

    Choose how to deposit

    Complete the KYC

    Get your credit in exchange

    Features of Gold Loan

    With Airtel Finance Gold Loans, you get

    100% Digital

    Apply from Airtel Thanks

    High on safety

    3 layers security

    Flexible tenure

    From 3 months to 3 years

    Instant gold return

    No foreclosure charges

    Relaxed eligibility

    Anyone can apply

    Less documents

    Just complete the KYC

    FAQs on Gold Loans Documents

    What documents are required to apply for an Airtel Gold Loan?

    You need identification proof (like Aadhaar or PAN card), address proof (such as a utility bill or voter ID), and proof of gold ownership (purchase receipt or self-declaration). Additional documents might be requested.

    Is Aadhaar card mandatory for applying for a gold loan?

    No, an Aadhaar card is not mandatory. You can use other identification documents like a PAN card, passport, or driving license.

    Can I use my PAN card as identity proof for a gold loan?

    Yes, a PAN card is accepted as valid identity proof for a gold loan application.

    What types of address proof are accepted for a gold loan application?

    Accepted address proofs include utility bills (electricity, water, or gas), Aadhaar card, voter ID, and passport.

    Do I need to submit any income proof for a gold loan?

    No, income proof is not required for a gold loan. The loan is secured against the value of your gold.

    Will my gold be returned if my loan application is rejected?

    Yes, your gold will be returned if your loan application is rejected. Airtel Finance ensures the safe return of your gold.

    Do I need to submit original documents or are photocopies sufficient?

    Photocopies of your documents are sufficient for the initial application process. However, original documents may be required for verification.

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    Documents required for Gold Loan

    To apply for a gold loan, you need to provide identification proof (like Aadhaar or PAN card), address proof (such as utility bill or voter ID), and proof of gold ownership (purchase receipt or self-declaration). These documents ensure your identity, address, and ownership of the pledged gold. Additional supporting documents may be requested as needed.

    Identification Proof


    To confirm your identity, you need to provide any of the following documents:

    1. Aadhaar Card: This is a unique identification number issued by the Indian government. It includes your name, address, and a photograph.

    2. PAN Card: This is a Permanent Account Number card used primarily for tax purposes, but also serves as an identification proof.

    3. Passport: This is an official travel document that verifies your identity and nationality.

    4. Driving License: This document not only permits you to drive but also serves as a valid proof of identity.


     

    Address Proof


    To confirm your address, you need to provide any of the following documents:

    1. Utility Bill: This can be an electricity bill, water bill, or gas bill, which includes your name and residential address.

    2. Aadhaar Card: It also serves as address proof apart from being an identification proof.

    3. Voter ID: This card is issued by the Election Commission and includes your address.

    4. Passport: This can also be used as proof of address.


     

    Proof of Gold Ownership


    You need to provide evidence that you own the gold you are pledging for the loan. This can be done through:

    1. Purchase Receipt: If you have a receipt from when you bought the gold, it can serve as proof of ownership.

    2. Self-declaration: In the absence of a purchase receipt, you may need to provide a self-declaration stating that you are the owner of the gold.


     

    Other Supporting Documents


    Depending on your specific situation, Airtel Finance may request additional documents. These could include:

    1. Photographs: Recent passport-sized photographs.

    2. Bank Statements: In some cases, you might be asked to provide bank statements for further verification.

    3. Signed Loan Agreement: Once your documents are verified, you might need to sign a loan agreement.


     

    Documentation Process: Step-by-Step Guide


    Submit Your Documents: Gather all required documents, including identification proof, address proof, proof of gold ownership, and any other supporting documents.

    Verification Process: Airtel Finance will review and verify the submitted documents to ensure their authenticity and accuracy.

    Approval: After successful verification, your gold loan application will be approved. You will receive the loan amount shortly after the approval.

     

    Document Verification


     

    The document verification process ensures that all the information provided by you is accurate and genuine. Here’s how it usually works:

    1. Initial Check: The submitted documents are initially checked for completeness and correctness.

    2. Authentication: The details in the documents are cross-checked with the issuing authorities or databases.

    3. Validation: Any discrepancies found during the authentication process are clarified and resolved.

    4. Final Approval: Once all documents are verified and validated, the final approval is granted for the loan.

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