Gold Loan

Indel Money is a leading and trusted provider via years of dedicated service in the gold loan industry. We have become a household name synonymous with gold loaning for our low interest rates, easy documentation, instant processing and various tailor-made loan options that fit your requirement.

Experience the power of your gold

India is one of the leading importers of gold as Indians have great sentimental values attached to it. Gold is a precious and divine asset for Indian families and is also a dependable and easily liquid-able asset especially for last minute needs like:

  • Medical emergencies
  • Educational loan
  • Business start-ups and expansions
  • Capital for large purchases
  • Other personal financial needs
  • Educational Purpose

Instant & hassle free Gold Loan

Availing gold loan from Indel Money branches is super easy. You just walk into your nearest Indel Money branch with your jewellery to get maximum value for your gold and receive the loan at our instant counter processing with minimal documentation, the shortest processing time and low interest rates. We yearn for customer satisfaction and our happiness lies in serving you best.

Benefits

  • Instant processing
  • Easy documentation
  • In-house gold evaluation
  • Tailor made repayment plans
  • Competitive interest rates
  • Maximum value for your gold
  • Part-payment and pre-payment options
  • Taking over existing gold loans at unparalleled additional funding and interest rates
  • Guaranteed safety for your gold
Gold Loan Schemes

Added benefits

India’s Longest Tenure

Best possible means of capital been provided through our long tenure gold loan schemes in order

Safe

Safety guaranteed

We value the safety of your precious jewellery. Your gold will be evaluated, sealed & documented in your presence and moved into vaults in our strong rooms. We assure your peace of mind through guaranteed safety and transparency. All our branches are completely connected, centrally monitored through CCTV, secured with intrusion alarm systems and above all insured against the value of your gold certified by us. You can claim your gold back any time during work hours by visiting the branch.

Flexible

Maximum value for your gold

We offer gold loans ranging from Rs. 1,000 to Rs. 1,00,00,000 for both urban and rural markets.

We offer comprehensive gold loan schemes to cater all income groups. We believe in inclusive business and there’s always a plan just right for you.

Instant

Swift processing and instant funds 

Get instant gold loan within minutes and choose any custom repayment option that suits you.

Attractive

Lowest interest rates

We offer gold loan with low interest rates that is highly competitive. Another attractive feature is being able to choose repayment plans tailor made to your convenience

Transparent

Trusted and reliable

Our interest rate, payment modes and other charges will be communicated with you in writing at the very outset of the loan processing. We assure you there won’t be any hidden costs or charges.

Eligibility

Individuals who are between ages of 18 and 75 are eligible for a loan against gold.

Documentation

Please ensure you carry the following documents (Original) for easing the process of your gold loan application.

Identity Proof:

  • A copy of your passport
  • Driving license
  • Voters ID card

Address Proof:

  • A copy of your Passport
  • Driving License

  • Ration Card

  • Electricity

  • Telephone Bill

 

INDEL - SUPER STAR

IGL 2

INDEL REVERSE

INDEL SMART EMI

INDEL B T

INDEL IFC

 

Interest

22%

12%

20%

19%

18%

11.50%

Tenure

365 days

365 days

365 days

720 days

365 days

365 days

LTV

75%

50%

75%

75%

75%

75%

Frequently Asked Questions

A loan obtained by securing your gold jewelry with the lender is called the gold loan. You will receive instant funds on pledging your gold ornaments thus it can be also called a loan against gold.
This way the gold ornaments and jewelry that were secured in the lockers are now mobilized to generate funds.

Quite like other secured loans, you can opt for a gold loan easily. The entire process of a gold loan is quite similar to other secured loans. Simply walk in any of our branches with your gold ornaments, fill in and submit the required documents. After evaluating the documents and the gold articles, our officer will sanction the Loan amount.

You can get various benefits by getting gold loans from Indel Money. You can avail gold loan at low-interest rates with us. We have a simple and hassle-free documentation process with various options of repayment and also have an in-house evaluation. We further ensure the security of your gold with our safe gold storage. Also Indel Money values a long standing relationship with you, once you opt in for our services.

Generally, a gold loan interest rate varies from 12% to 30% per year. You can repay the amount of gold loan within 1 day to 2 years (depending upon the scheme terms and conditions) in EMI or any other available options to repay the interest along with the principal.

Any Indian Citizen who is either a salaried professional, or businessman, or housewife, and who owns gold ornaments is a good candidate for gold loan.

Yes, it is. Indel Money has special safe rooms to secure your gold. These rooms have CCTV camera surveillance installed to get 24X7 safety in each of our 191 branches across Tamil Nadu, Kerala, Karnataka, Telangana, Andhra Pradesh & Puducherry.

Unlike a personal loan, the gold loan does not involve processing fees or pre-payment charges. Plus, it offers a higher loan limit than the personal loan with a lower interest rate. Also, Gold Loans have flexible repayment options, unlike most of the personal loan schemes.

Just walk in with your gold articles and go through the documentation process. After ascertaining the purity of the gold and its market value, our Gold evaluators will derive at a Loan amount which matches our scheme chart. The amount, thus derived, will be granted to you as loan against your gold.

Yes, of course, Indel Money is an NBFC that is incorporated to fulfill your financial needs. We are among the most trustworthy NBFC in Kerala, Karnataka, Andhrapradesh, Telangana, Tamilnadu & Puducherry from where you can avail loans of different kinds, with the gold loan being our specialty.

With Indel Money, you can pledge any type of gold jewelry, which are of regular domestic use. This can include gold jewelry items like necklaces, rings, bracelets or traditional wears.

The documents required for gold loan includes :

Aadhar card
Passport
Driving licence
Voter ID card
PAN card.

Well, it depends on the lender completely. For instance, Indel Money although keeps on reminding its customers about their dues from time to time. But if one fails to repay on time, late payment charges will be applicable according to the gold loan terms and conditions.

Indel Money offers you multiple options for repayment of your gold loans. For details, contact your nearest branch.

In simple terms, a gold loan per gram is the amount of loan you receive for a single gram of gold. This gives you an estimate of the amount of loan you can get against your gold jewelry.
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You can walk into any of our branches or use the online form or call us on 1800 4253 990

You can apply for a gold loan at any of our branches. For a complete list of Indel Money branches click here. Our hours of service are from 9.30 am to 5.30 pm.

At Indel Money, anyone can get a gold loan from Rs. 1,000 to Rs. 1,00,00,000. There might be some factors that we may consider while deciding the loan amount, such as, your requirement, valuation of gold, and your repayment capacity.

We offer you a flexible tenure ranging from 1day to 2 years.

No. As per RBI regulations, we do not accept gold coins for pledging.

No, it is not mandatory for you to have a co-applicant when applying for our gold loan.

Your gold loan application gets processed on the same day and the loan amount also gets disbursed the same day over the counter. Make sure to bring all necessary documents along with your application and the gold to be pledged as security. The overall process never exceeds 10 to 15 minutes, if the documentation is perfect.

Charges are subjected to specific services. Click here to check the schedule of charges associated with transactions.

Yes, you can make part-prepayment towards your gold loan at your branch. Currently, Indel Money levies no charge for part-pre payments.

You can pay the complete closure amount in our branch. You will get your gold released only in your presence and after checking the KYC matches. However, there won’t be any foreclosure charges.

Indel Money periodically reminds all our customers of their dues and advises you to keep adequate funds available to avoid additional costs. If you miss making timely payment, late payment charges will be applicable according to the terms of your gold loan agreement.

WE ARE HERE TO HELP YOU

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