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Get your next gold loan from Airtel Finance and enjoy all the benefits of a gold loan without having to go through stringent eligibility condition checks. Simply apply for your gold loan from home with the Airtel Thanks app, we will collect the gold from your doorstep and store it in secure lockers. Pay back your loan with EMIs and recollect your gold at the end of the tenure. It’s that simple!
Hassle-free gold loan is now at your doorstep with Airtel Finance
The eligibility criteria to apply for a gold loan from Airtel Finance is very relaxed. There are no credit score background checks or credit history requirements. Just meet the basic criteria such as age or gold purity, and you will get a gold loan in no time!
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A gold loan is a kind of secured loan that you can get from lenders like banks or Non-Banking Financial Companies (NBFC). You can pledge your gold jewellery as collateral and get a loan against the gold by following our hassle-free process.
The loan amount is decided after checking the weight and purity of your gold jewellery. The loan amount provided by the lender is up to 75% of the value of your gold jewellery. The value is based on the current market value of gold. The gold rate is calculated by 30-day moving average of 22K gold as per rate quoted by India Bullian and Jewellers Association Limited (IBJA)
Getting a loan against your gold jewellery is one of the easiest ways to meet any unplanned expense. To get a gold loan from Airtel Finance, you can apply online, or via the Airtel Thanks App.
From salaried and self-employed individuals to traders, farmers, and business persons, anyone can apply for a gold loan from Airtel Finance.
You must be between 21 and 70 years of age and have gold jewellery of 18 – 22 karat.
You should apply for a gold loan when you need money for your planned or unplanned expenses. A gold loan is a form of a secured loan. It may be a good option if you already have an ongoing loan. You can apply for one by pledging the gold jewellery you may have at your home.
Yes, you can get a loan against gold jewellery at an attractive interest rate. Airtel gold loan interest rates start from 9.5% p.a. onwards. To get a loan against gold jewellery, click on the ‘APPLY’ option on the top of this page.
The minimum limit that Airtel Finance offers for a Gold Loan is Rs. 5,000.
With Airtel Finance, you can get a Gold Loan maximum limit of Rs. 2 crore.
Fluctuations in gold prices directly influence your gold loan value. As the gold price changes, so does the collateral’s worth, affecting the loan amount. It’s essential to monitor the gold rate to understand these variations and make informed decisions about your gold loan, ensuring financial stability.
We offer multiple repayment options where you may choose to pay interest on a monthly, bi-monthly, quarterly, half-yearly, or annual basis as per your convenience. Please note that the principal amount and pending interest for your loan against gold jewellery, if any, will be due for payment at the time of loan maturity.
To foreclose your loan against gold, follow these simple steps:
The loan amount for gold loan is calculated by evaluating the weight and purity of your pledged gold, often between 18-22 karats. We apply a gold loan per gram rate to establish the gold’s market value, then provide up to 75% of this value as the loan, as per the guidelines set by RBI.
Below is the list of fees and charges associated with Gold Loan:
| Types of fees | Applicable Charges |
| Interest rates | 9.50% to 26% per annum |
| Processing Fees | 0.15% of the loan amount (Inclusive of applicable taxes). Subject to a minimum Rs. 99/- (Inclusive of applicable taxes) & maximum of Rs 600/- (Inclusive of applicable taxes) |
| Stamp duty (as per respective state) | Payable as per state laws and deducted upfront from loan amount |
| Cash Handling Charges | Rs 50/- (Inclusive of applicable taxes). applicable for cash disbursement only |
| Penal Charge | Rs. 8 per day on Outstanding Balance – Penal charge will be over and above the interest rate slab mentioned above which shall be applicable/chargeable in case of default in repayment of the Outstanding Dues post maturity. |
| Convenience Fee | Convenience fee of Rs. 149 (inclusive of applicable taxes) shall be levied for release of ornament/s out of multiple ornaments securing the Gold Loan. |
| Part Pre- Payment Charges | NIL |
| Foreclosure Charges | Foreclosure charges are “0”, but in cases the Borrower closes the loan, interest on a pro-rated basis will be applicable. |
Documents required to apply for Gold loan includes-
Any one of the following KYC documents:
Applying for a gold loan is very easy with Airtel Finance, in collaboration with Airtel Lending Partner. Get a gold loan at the lowest interest rates, starting from just 1.08% per month, select your tenure, and pay off your loan with easy EMIs. In addition, you also do not have to go through difficult eligibility checks that make the entire process difficult. Just meet a few eligibility criteria, and you will get your gold loan in no time.
