Gold Loan

Gold is more than just a precious metal—it's a powerful financial asset. A Gold Loan helps you meet urgent financial needs by using your gold jewellery as collateral. Whether it’s for personal use, business requirements, or emergency expenses, Finaura offers a fast, secure, and flexible gold loan solution at attractive rates.

Purpose

A Gold Loan is a secured loan where you pledge your gold ornaments to avail immediate funds. The loan amount is based on the value and purity of the gold provided. It is one of the quickest ways to raise money without selling your assets.

At Finaura, we offer convenient repayment options, transparent valuation, and complete safety for your gold until repayment is completed.

Types of Gold Loans

1. Standard Gold Loan

  • Short-to-medium term loans against gold jewellery
  • Ideal for meeting personal or household expenses

2. Business Purpose Gold Loan

  • Funds for working capital, vendor payments, or cash flow support
  • Tailored for small and medium businesses

3. Agricultural Gold Loan

  • Specially designed for farmers or agri-based borrowers
  • Seasonal repayment options to match crop cycles

4. Gold Loan Overdraft

  • A flexible credit limit against gold, repay only what you use
  • Interest charged only on the withdrawn amount

Features of Finaura’s Gold Loan

Quick Disbursal

Funds credited to your account within hours of approval

High Loan Value per Gram

Get maximum eligible value based on real-time gold pricing

Attractive Interest Rates

Affordable interest rates that make repayment convenient

Flexible Tenure

Repayment options ranging from a few months up to 24 months

Safe Custody of Gold

100% secure storage of your gold in vaults until loan closure

Minimal Documentation

Just basic KYC required – no income proof or credit score check

No Prepayment Penalty

Close your loan early without any extra charges