Bullet A: up to ₹2.5 Lakh
Principal and interest repayable together at the end of the term. Suited to borrowers with seasonal or lump-sum income.
ROI as low as 10% p.a*
Unlock 85% LTV*
Minimal documentation.
Part Payment Options
Purpose
- Consumption.
Eligibility
- Only own gold ornaments/coins may be pledged.
Quantum
- Minimum ₹10,000 and maximum ₹2.5 lakh, at ₹8,500 per gram, subject to a margin of 15% and a maximum LTV of 85%.
Repayment Period
- Principal and interest on due date.
Conditions
- Tenure of 12 months.
Interest Rates
- Interest from 10% p.a. (subject to change from time to time).
- See the full Interest Rates page →
Bullet B: up to ₹5 Lakh
For borrowers whose gold-loan needs sit above Bullet A's ceiling, at a correspondingly modest step up in rate.
ROI as low as 10.5% p.a*
Unlock 80% LTV*
Minimal documentation.
Part Payment Options
Purpose
- Consumption.
Eligibility
- Only own gold ornaments/coins may be pledged.
Quantum
- Minimum ₹2.5 lakh and maximum ₹5 lakh, at ₹8,000 per gram, subject to a margin of 12% and a maximum LTV of 80%.
Repayment Period
- Principal and interest on due date.
Conditions
- Tenure of 12 months.
Interest Rates
- Interest from 10.5% p.a. (subject to change from time to time).
- See the full Interest Rates page →
Bullet C: up to ₹30 Lakh
The highest-quantum bullet scheme, for larger gold-backed borrowing needs.
ROI as low as 10.75% p.a*
Unlock 75% LTV*.
Minimal documentation.
Part Payment Options
Purpose
- Consumption.
Eligibility
- Only own gold ornaments/coins may be pledged.
Quantum
- Up to ₹30 lakh, at ₹7,500 per gram, subject to a margin of 10% and a maximum LTV of 75%.
Repayment Period
- Principal and interest on due date.
Conditions
- Tenure of 12 months.
Interest Rates
- Interest from 10.75% p.a. (subject to change from time to time).
- See the full Interest Rates page →
Interest Recovery Loan
Interest is recovered periodically through the term, leaving only the principal due at closure, suited to business borrowers with regular cash flow.
ROI as low as 11% p.a*
Unlock 75% LTV*
Minimal documentation.
Part Payment Options
Purpose
- Business.
Eligibility
- Only own gold ornaments/coins may be pledged.
Quantum
- Up to ₹30 lakh, at ₹7,000 per gram, subject to a margin of 10% and a maximum LTV of 75%.
Repayment Period
- Monthly interest and principal on due date.
Conditions
- Tenure of 12 months.
Interest Rates
- Interest from 11% p.a. (subject to change from time to time).
- See the full Interest Rates page →
Special Jewel Loan, 6 Months
A concessional six-month scheme with monthly interest rests, for general-purpose gold-backed borrowing.
ROI as low as 9.50% p.a*
Unlock upto ₹30L*.
Minimal documentation.
Part Payment Options
Purpose
- General.
Eligibility
- Only own gold ornaments/coins may be pledged.
Quantum
- Minimum ₹10,000 and maximum ₹30 lakh, at 75% of the current market rate for gold.
Repayment Period
- Monthly interest and principal on due date.
Conditions
- Tenure of 6 months, interest applied at monthly rests.
Interest Rates
- Interest from 9.50% p.a. on monthly rests (subject to change from time to time).
- See the full Interest Rates page →
EMI calculator
Apply for a Jewel Loan today.
Walk into any of our 51 branches with your ornaments and KYC documents. Most jewel loans are disbursed the same day.