Gold Loan Eligibility

A gold loan is a kind of secured loan that you can get from lenders like banks or Non-Banking Financial Companies (NBFC). You can pledge your gold jewellery as collateral and get a loan against the gold by following our hassle-free process.

The loan amount is decided after checking the weight and purity of your gold jewellery. The loan amount provided by the lender is up to 75% of the value of your gold jewellery. The value is based on the current market value of gold. The gold rate is calculated by 30-day moving average of 22K gold as per rate quoted by India Bullian and Jewellers Association Limited (IBJA)

Getting a loan against your gold jewellery is one of the easiest ways to meet any unplanned expense. To get a gold loan from Airtel Finance, you can apply online, or via the Airtel Thanks App.

All Salaried, Self-Employed, Housewife, Student and Pensioner Individuals,. You must be between 21 and 80 years of age and have gold jewellery of 18 to 22 karat.

All Salaried, Self-Employed, Housewife and Pensioner Individuals Loan against gold collateral is a secured loan against collateral of gold ornaments,coins and jewellery.

The Customer Level Exposure for all Eligible Collateral Type (Ornaments, Gold Coins & Jewellery) should not exceed As per Maximum loan amount of Rs.2 crore

You should apply for a gold loan when you need money for your planned or unplanned expenses. A gold loan is a form of a secured loan. It may be a good option if you already have an ongoing loan. You can apply for one by pledging the gold jewellery you may have at your home.

Yes, you can get a loan against gold jewellery at an attractive interest rate. Airtel gold loan interest rates start from 9.5 % to 24 % p.a onwards. To get a loan against gold jewellery, click on the ‘APPLY’ option on the top of this page.

The minimum limit that Airtel Finance offers for a Gold Loan is Rs. 5,000.

With Airtel Finance, you can get a Gold Loan maximum limit of Rs. 2 crore.

Fluctuations in gold prices directly influence your gold loan value. As the gold price changes, so does the collateral’s worth, affecting the loan amount. It’s essential to monitor the gold rate to understand these variations and make informed decisions about your gold loan, ensuring financial stability.

We offer multiple repayment options where you may choose to pay interest on a monthly, bi-monthly, quarterly, half-yearly, or annual basis as per your convenience. Please note that the principal amount and pending interest for your loan against gold jewellery, if any, will be due for payment at the time of loan maturity.

To foreclose your loan against gold, follow these simple steps:

1. Visit your nearest BFL gold loan branch.


2. Pay the outstanding amount.


3. Submit the Original Gold Delivery Receipt (GDR).

The loan amount for gold loan is calculated by evaluating the weight and purity of your pledged gold, often between 18-22 karats. We apply a gold loan per gram rate to establish the gold’s market value, then provide up to 75% of this value as the loan, as per the guidelines set by RBI.

Below is the list of fees and charges associated with Gold Loan:

Documents required to apply for Gold loan includes-

Any one of the following KYC documents:

• Aadhaar card


• Voter’s Identity card


• Passport


• Driving licence


• NREGA job card


• Letter issued by Na-tional Population Registration