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Instant cash against your gold, kept safe
Turn idle jewellery into funds within hours. Minimal documents, no credit-score requirement and insured, sealed storage.
Why take your gold loan through Credsey
Get an instant gold loan with minimal documents and safe storage. Compare gold loan rates per gram and apply with Credsey for same-day disbursal.
- No income proof or credit score needed
- Pay interest only, principal at the end
- Insured storage in bank-grade vaults
- Part-release of jewellery available
Gold Loan EMI calculator
Move the sliders to see your monthly EMI, the total interest and the full amount you'll repay. Then apply with the same numbers in one click.
- EMI = P × r × (1+r)n / ((1+r)n − 1)
- P is the loan amount, r the monthly rate, n the number of months
- Pay more upfront or choose a shorter tenure to cut total interest
Calculate your EMI
Full scheduleYour monthly EMI
₹0
- Principal
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- Interest
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- Total payable
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Indicative figures. Final rate depends on the lender and your profile.
Eligibility
- Indian resident aged 18 to 75 years
- Gold jewellery of 18 to 22 carat purity
- Valid KYC documents
Criteria vary by lender. An advisor will confirm what applies to you.
Documents required
- PAN card or Form 60
- Aadhaar or another address proof
- Two passport-size photographs
How much can I get per gram?
RBI caps the loan-to-value at 75% of the gold's value, so the per-gram amount moves with the gold price and purity.
Is my gold safe?
Lenders store pledged gold in sealed, insured, bank-grade vaults and return it after full repayment.
Does a gold loan affect my credit score?
Timely repayment helps your score; missed payments are reported like any other loan.