Secured loans
Gold Loan
Get a quick loan at the branch by pledging your gold jewellery.
Interest rate
6.00%
per year
- Interest rate
- 6%*
- Maximum loan
- ₹50,00,000
- Maximum period
- 12 months
- Approval
- Instant, at the branch
Members only
Rates can change
A loan against your gold jewellery for medical costs, a sudden emergency or business growth. Simple process and instant loan at branch level. Up to ₹50 lakh, for 12 months.
Who is this for?
- Anyone who urgently needs money for medical treatment
- Anyone facing a sudden emergency
- People who want to grow their business
How does it work?
- Bring your gold jewellery and its purchase receipts to the branch.
- The society's approved gold valuer checks the jewellery and gives a valuation certificate.
- The loan is sanctioned quickly at the branch itself.
- Repay through daily deposit collection, cheque or ECS, and take your jewellery back.
What can you use it for?
- Medical expenses
- Sudden emergencies
- Business growth
Features & benefits
- Simple loan process.
- Instant loan available at branch level.
- Pay instalments through the daily deposit collection agent, by cheque, or by ECS (automatic debit from your bank account).
- Loan limit up to ₹50 lakh.
- Loan period 12 months.
- Interest rate 6%*.
Who can apply
- You must be a member of the society.
- You must own the gold jewellery and have valid receipts for it.
- You must have enough income to repay the loan.
Documents you need
Keep this list ready
- A written assurance that the jewellery belongs to you or your family members.
- If the jewellery is stridhan (belongs to your wife), your wife's written consent.
- Valuation certificate from the society's approved gold valuer.
Rate table
Up to 12 months
6.00%
Maximum amount₹50,00,000
* Interest rates can change from time to time. · Rates as published on 15 September 2026
* Terms and conditions apply.
Work it out yourself
Enter the amount, rate and period to instantly see what you will receive or what your instalment will be.
= 1 year
Monthly instalment (EMI)
₹43,033
6.00% · 1 year
- Loan amount
- ₹5,00,000
- Total interest
- ₹16,399
- Total repayment
- ₹5,16,399
This is an estimate (interest is worked out monthly on the reducing balance). The actual EMI may differ slightly as per the society's rules. Please confirm at your branch.
Year-by-year repayment
| year | Principal paid | Interest paid | Balance |
|---|---|---|---|
| 1 | ₹5,00,000 | ₹16,399 | ₹0 |
Gold Loan
Enquiry form
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