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Unlock the value of your gold

Gold Loan
Up to ₹2 Crore
— Funds in 30 Minutes

Low interest rates starting at 8.5% p.a., high loan-to-value ratio, and flexible repayment. Keep your gold while meeting urgent needs.

Apply in 2 Minutes Check Loan Value
0%
Interest Rate*
0%
Loan-to-Value Ratio
₹2Cr
Max Loan Amount
Partner With Us

Become a KFinOne DSA Partner

Earn high commissions by referring gold loans, home loans, personal loans, and more. Zero investment, full support.

High payouts – monthly settlement
20+ financial products
Dedicated partner dashboard
Training & marketing collateral
1
Personal
2
Location
3
Experience
Step 1 of 3

Personal Information

Let's start with your basic contact details

Step 2 of 3

Your Location

Help us connect you with the right regional team

Step 3 of 3

Your Experience

Almost done — tell us a little about your background

Review Your Details

Your data is encrypted and never shared with third parties.

Loan Purposes

What Can You Use
Your Gold Loan For?

🏥

Medical Emergency

Fund unexpected hospitalisation or surgery without selling assets.

Instant funds
🎓

Education Expenses

Pay for tuition, study abroad, or professional courses.

Low interest
🏠

Home Renovation

Redesign your living space – kitchen, bathroom, or interiors.

Quick disbursal
💼

Business Working Capital

Bridge cash flow gaps for your small business or startup.

No collateral
Why KFinOne

The Smart Way to
Borrow Against Gold

Lowest Interest Rates

Starting at just 8.5% p.a. – one of the best gold loan interest rates in India.

30-Minute Disbursal

From valuation to funds – we work fast for urgent needs.

Up to 75% Loan-to-Value

Get the maximum possible loan amount against your gold.

Safe & Insured Storage

Your gold is stored in RBI-approved vaults with full insurance.

₹2Cr
Maximum Loan
75%
Loan-to-Value Ratio
8.5%
Starting Interest
30min
Disbursal Time
Requirements

Eligibility & Documents

Eligibility

Age: 18 – 70 years
Must be legal owner of the gold (jewelry or coins)
Gold purity: Minimum 18 karats
Indian resident with valid KYC
No income proof required for smaller loans

Documents

PAN Card / Aadhaar Card (mandatory)
Any one: Voter ID, Passport, Driving License
Address proof (if different from ID)
Gold purity certificate (optional, we test)
Photographs (2 copies)
Gold Loan Calculator

Estimate Your Loan Amount

Gold Weight (grams)50 g
5g500g
Purity (Karat)22K
18K24K
Current Gold Price (₹/g)₹6,500
₹4,000₹8,000
Estimated Loan Amount
₹2,43,750
Up to 75% of gold value
Gold Value
₹3,25,000
LTV Ratio
75%
Apply for Gold Loan
Process

Get Your Gold Loan in 4 Simple Steps

01
Fill Online Form
Basic details – takes 2 minutes.
02
Gold Evaluation
Visit branch or request doorstep pickup.
03
Instant Approval
Loan amount confirmed within minutes.
04
Funds Disbursed
Money credited in 30 minutes.
FAQs

Common Questions

Everything about KFinOne gold loans – interest rates, eligibility, process.

Still have doubts?

Speak to our gold loan specialist.

Chat on WhatsApp
01
What is the interest rate for a gold loan?
RatesInterest rates start from 8.5% p.a. depending on loan amount and tenure.
02
How is gold valued?
ValuationOur experts use advanced karat meters and weighing scales to determine purity and weight based on current market rates.
03
How much loan can I get against my gold?
Loan AmountYou can get up to 75% of your gold's market value. Maximum loan amount is ₹2 Crore.
04
Is income proof required for a gold loan?
DocumentationNo income proof is required for loans up to ₹20 Lakh. Only KYC and gold ownership proof needed.
05
Can I repay the loan early?
PrepaymentYes, you can prepay any time. No prepayment penalty after 6 months of regular EMIs.
06
Is my gold safe with KFinOne?
SecurityAbsolutely. Your gold is stored in RBI-approved bank vaults with 100% insurance coverage.

KFinOne Gold Loan Assistant