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

The documents required for gold loan includes :

1. ID proof: Aadhar Card, Voter ID, Driving Licence or Passport.
2. Address proof: adhar Card, Voter ID, Driving Licence or Passport, Electricity Bill, Gas Bill, Recent postpaid Bill.
3. Bank Passbook (If applicable).
4. PAN Card/Form 60.

We will provide constant communication regarding the due date for interest and principal (as applicable). Incase the borrower faces any difficulties, he/ she will have the following options -

1. In case the borrower is facing difficulties, they can choose our refinance schemes to protect their Gold Asset.

2. The borrower can choose to liquidate the asset (Gold) anytime during the tenure of the loan period.

3. In case, The refinance schemes are not chosen by the borrower and there is unpaid due over 90 days, we will auction the gold jewellery and recover the dues. In case, the auction price is higher than the due, the borrower will be paid residual amount through Cheque/NEFT/RTGS.

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 jewellery.

At Swarnsathi, anyone can get a gold loan from Rs. 3,000 to Rs. 99,999. 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 1 month to 1 years.

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

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.

Yes, you can make part-prepayment/Foreclosure towards your gold loan at your branch. Currently, Swarnsathi levies no charge for part-prepayments/Foreclosure whatsoever.

Individuals, individuals jointly with other individuals, For minor individuals by guardian, HUF, Sole proprietary concerns, Clubs/Associations Firm, Any Other entities as permitted by RBI