Explore Airtel

    Low Interest Rate ✔️Instant disbursal ✔️100% online process

    Apply Now

    Gold Loan Per Gram

    Gold Loan Per Gram is a secured loan where you use your gold jewellery or ornaments as collateral for money. The loan amount you can receive is determined by the weight and purity of the gold you pledge. The gold loan rate per gram varies among banks and financial institutions but typically ranges from 70% to 85% of the gold’s current market value. Gold loan is a popular option because it provides quick access to funds without requiring you to sell your gold assets.

    Apply Now

    Gold Loan EMI Calculator Online

    Check how much loan you can get against your gold. Enter gold weight to get instant estimates.

    Gold Weight (in grams) 10g
    10g
    1g100g
    Gold Price / gram ₹5,000
    ₹5,000
    ₹1K₹30K
    Loan-to-Value Ratio 75%
    75%
    50%90%
    Get Gold Loan Now

    Benefits of Gold Loan

    Hassle-free gold loan is now at your doorstep with Airtel Finance

    RBI approved lockers

    Just 1.08% per month

    100% gold insured

    Get quick gold loan

    No early closure charges

    In RBI-approved lockers

    How to apply for a Gold Loan?

    Get a gold loan from Airtel Finance with a few steps

    Open Airtel Thanks App

    Find Shop > Airtel Finance

    Select Airtel Gold Loan

    Fill in your basic details

    At home or branch

    Choose how to deposit

    Complete the KYC

    Get your credit in exchange

    Apply Now

    How to calculate the Gold loan Per Gram interest rate?

    Here are the steps to calculate the gold loan per gram interest rate.


    • Determine the current market value of gold, which fluctuates based on global economic conditions and demand.

    • Assess the purity of your gold, measured in carats, with higher purity gold generally securing a higher loan amount.

    • The weight and purity of your gold will be evaluated to determine the loan-to-value (LTV) ratio.

    • Factor in the interest rates, which are influenced by the lender’s policies, to determine the final interest rate on the gold loan.

    Apply Now

    Features of Gold Loan

    With Airtel Flexi Credit, you get

    Quick disbursal

    Minimal paperwork

    Loan from ₹5000 to ₹2 crore

    Multiple repayment options

    Free insurance of gold

    No hidden charges

    FAQs on Gold Loan Per Gram

    View More

    Gold Loan Per Gram

    A Gold Loan Per Gram is a type of secured loan where you pledge your gold articles against collateral. The loan amount you receive depends on the weight and purity of the gold you provide. However, the gold loan rate varies across different banks and financial institutions, ranging from 70% to 85% of the current market value of the gold.

    Factors Affecting Gold Prices


    Several factors influence the price of gold, which in turn affects the Gold Loan Per Gram rate. Key factors include:

    • Global Economic Conditions: Economic instability or uncertainty often leads to an increase in gold prices as investors seek safe-haven assets.



    • Inflation Rates: Higher inflation typically drives up gold prices, as gold is considered a hedge against inflation.



    • Currency Fluctuations: The value of the Indian rupee against the US dollar can impact gold prices. A weaker Rupee usually means higher gold prices in India.



    • Demand and Supply: Seasonal demand, especially during festivals and weddings, can drive up gold prices. Conversely, increased supply can lead to lower prices.



    • Geopolitical Tensions: Political instability or conflicts can lead to higher gold prices as investors move to secure their investments.


    Gold Loan Per Gram Eligibility Criteria


    To be eligible for a Gold Loan Per Gram, you need to meet certain criteria. These criteria ensure that the loan is granted to individuals who can securely pledge their gold. The main eligibility criteria include:

    • Applicants must typically be between 18 and 65 years old.

    • The gold must be between 18 and 24 carats. The higher the purity, the higher the loan amount per gram.

    • Most lenders accept gold jewellery and ornaments, but gold bars and coins may not always be accepted.

    • The gold must be owned by the applicant. In the case of joint ownership, all owners must consent to the pledge.

    • Applicants need to provide proof of identity, address, and ownership of the gold.


    Application Process for Gold Loan Per Gram


    The application process for a Gold Loan Per Gram is designed to be quick and easy, allowing borrowers to access funds with minimal hassle. Here are the steps involved:

    Step 1: You can apply for a Gold Loan Per Gram online on Airtel Finance.

    Step 2: Submit necessary documents, including proof of identity (Aadhaar card, PAN card, passport), proof of address (utility bills, rental agreement), etc.

    Step 4: Based on the evaluation, you will be offered a loan amount per gram of gold.

    Step 5: Review the loan terms, including the interest rate, repayment tenure, and any applicable charges.

    Step 6: Once you agree to the terms and sign the agreement, the loan amount will be disbursed to your bank account.

    View more
    WhatsApp

    Gold Loan Partner - Airtel Finance

    airtel finance

    More searched links