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"Aapke Sone Ki Takat, Aapke Sapno Ka Samarthan! "


About SIMFINN Gold Loan

SIMFINN’s Gold Loan is a quick and reliable financial solution that allows individuals to unlock the value of their gold assets during times of need. Whether you require funds for business expansion, medical emergencies, education, or personal expenses, our Gold Loan provides an easy way to access cash without selling your precious gold. With minimal documentation, instant approval, and high loan amounts, SIMFINN ensures that you get the best value for your gold with competitive interest rates and flexible repayment options.

Our Gold Loan is designed to be hassle-free, offering loan disbursal within minutes against pledged gold ornaments or coins. With secure storage facilities and a transparent loan process, SIMFINN ensures the safety of your gold throughout the tenure. Whether you are a salaried professional, self-employed individual, or business owner, our Gold Loan provides a convenient and stress-free way to meet your financial needs.

Features & Benefits of Gold Loan

Instant Loan Approval & Quick Disbursal

Get your loan approved within minutes and receive funds on the same day, ensuring quick access to cash during urgent financial needs.

High Loan Amount

Avail of a loan amount up to 75% of the gold’s market value, depending on the purity and weight of the pledged gold ornaments or coins.

Competitive Interest Rates

Enjoy low-interest rates compared to personal loans and credit cards, making gold loans an affordable borrowing option.

Flexible Repayment Options

Choose from various repayment plans, including monthly EMIs, bullet payments, or interest-only payments, to suit your financial situation.

No Income Proof or Credit Check Required

Since the loan is secured against gold, there is no need for income proof or a high credit score, making it accessible to a wider range of borrowers.

Safe & Secure Gold Storage

Your pledged gold is stored in high-security vaults with 100% safety assurance, ensuring complete protection throughout the loan tenure.

Gold Loan Eligibility Criteria

Age Requirement

The applicant must be at least 18 years old and not exceed 70 years at the time of loan application.

Gold Purity & Weight

The pledged gold should be 22 karats or higher in purity. The loan amount is determined based on the weight and market value of the gold ornaments or coins.

Ownership of Gold

The applicant must be the rightful owner of the gold being pledged. Gold belonging to family members can also be pledged, provided the owner gives consent.

Indian Citizenship

The applicant must be an Indian resident with a valid proof of identity and address. NRIs are not eligible for the gold loan.

No Credit Score Requirement

Unlike other loans, there is no need for a high credit score or income proof, making it accessible for individuals with limited credit history.

Minimum & Maximum Loan Amount

he minimum loan amount varies based on location and lender policy, while the maximum loan amount depends on the current gold price and the loan-to-value (LTV) ratio set by SIMFINN.

Loan EMI: 0 INR

Total Interest: 0 INR

Total Payment: 0 INR

Our Clients

Our home loan clients trust us to provide tailored financial solutions that make homeownership more accessible and affordable. With competitive interest rates, flexible repayment options, and a seamless application process, we help individuals and families achieve their dream of owning a home. Our commitment to customer satisfaction ensures personalized service and expert guidance at every step.

98%

Satisfied Customers

84%

Home Loans Disbursed

88%

Loan Approval Rate

Documents Required For Education Loan

  • Aadhaar Card
  • PAN Card
  • Voter ID
  • Passport
  • Driving License
  • Aadhaar Card
  • Utility Bill (Electricity, Water, or Gas Bill - not older than 3 months)
  • Bank Passbook or Statement with Address
  • Ration Card
  • Rent Agreement 

In case of pledged gold belonging to a family member, a declaration or consent letter may be required.

Two passport-sized photographs of the applicant

Take Next Step & Manage Your Immediate Financial Needs Now. Turn Your Dream into Reality with SIMFINN!
Affordable Gold Loan with Easy Approvals & Flexible EMIs

Apply Now

FAQs About Gold Loan

A Gold Loan allows you to pledge your gold ornaments or coins as collateral and receive a loan amount based on their market value. You can repay the loan through EMIs, bullet payments, or interest-only payments, and your gold is returned once the loan is fully repaid.
The loan amount depends on the purity and weight of the gold, as well as the current market price. SIMFINN offers up to 75% of the gold’s value as a loan.
Yes, SIMFINN ensures 100% safety of your pledged gold by storing it in high-security vaults with full protection against theft or damage.
No, a credit score is not required for a Gold Loan. Since it is a secured loan, approval is based on the value of the gold and not the applicant’s credit history.
SIMFINN offers flexible repayment options ranging from 3 months to 36 months, allowing borrowers to choose a tenure that suits their financial needs.
Yes, SIMFINN allows prepayment or foreclosure of the Gold Loan without any additional charges, helping you save on interest costs.