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Gold Loan
Do you need funds urgently and have gold sitting idle at home? If so, then you can get a Gold Loan to meet your urgent financial requirements!
Get funds worth the value of your gold today as a loan with a hassle-free Gold Loan process with Axis Bank. The loan amount is disbursed on the same day.
Great plans start with well-calculated decisions
Gold Loan Eligibility Calculator
Fulfil your dreams by taking a Loan Against Gold! Use Axis Bank Gold Loan calculator to get an instant estimate of the loan amount you can get by pledging a specific gold ornament.
Eligible Loan Amount
3513
Gold Loan EMI Calculator
Calculate your monthly EMI in seconds and make smart borrowing decisions with our Gold Loan EMI calculator.
Total Amount Payable
1,37,621
APR Calculator
The Annual Percentage Rate (APR) is a method to compute annualised credit cost, which includes interest rate and loan origination charges.
₹
6K
15Cr
%
8% 26%
M
12M240M
₹
0
50L
Loan origination charges should not be more than loan amount.
APR
8.00%
Interest Rates
Benefit from lower interest rates as a Gold Loan is a secured loan. Only small processing fees may apply to Gold Loans.
Features & Benefits
You can avail of a Axis Bank Gold Loan if you need funds for tackling short-term liquidity crises. Below are some common features & benefits for Gold Loan:
Get high-value Gold Loans
Avail high-value Gold Loans to meet any of your financial requirements. Get Gold Loans ranging from ₹25,001 to ₹40 lakhs.
Quick loan disbursal
Apply for a Gold Loan with Axis Bank and receive funds in your bank within 60 minutes. It’s easy, fast, and simple!
Choose your tenure
Choose a repayment tenure for Gold Loan repayment, as per your convenience, ranging from 6 months to up to 36 months.
Use gold jewellery to get a loan
You can use gold jewellery or coins issued by banks, sitting idle at your home, as collateral for availing of the Gold Loan.
Secure storage of gold
Your pledged gold is safely and securely locked and stored in the bank vaults for the duration of the loan.
Easy documentation
Simple documentation process requiring basic KYC documents such as PAN card, Aadhaar card, other officially valid documents and relevant agricultural records if applicable.
Welcome Benefit
Cashback Benefits
Accelerated Rewards
Small Account will be valid for 12 months, post which it will be allowed to continue for 12 more months, if you provide a document ascertaining that you have applied for any of the officially valid documents within 12 months of opening your account.
Complimentary lounge access
Fuel surcharge Waiver
Eligibility for gold loan
Documentation for gold loan
Step-by-step guide to apply for a Gold Loan
- 01
Visit the Axis Bank Gold Loan page
- 02
Click on “Apply Now”
- 03
Fill in the online application form by entering your name, phone number, email ID, and residential address
- 04
Select your state, city, and nearest branch
- 05
Click on “Submit” to submit your application form
- 06
Please enter the captcha and provide the OTP to proceed to the next step
- 07
Note down your reference ID number. Wait for our representative to get in touch with you. We provide Gold Loans with same-day loan disbursement. Alternatively you can visit to our nearest Axis Bank branch.
Things to consider when taking a Gold Loan
Important Links
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Know and improve your credit score to better plan for your future finances.
Know MoreFrequently Asked Questions
Axis Bank provides Gold Loans for urgent cash requirements starting from ₹25,001 up to ₹40,00,000. If you have any queries regarding Axis Bank Gold Loan, read the Gold Loan FAQs, below:
A Gold Loan is one of the most popular types of secured loan that is usually taken to meet a financial emergency or to fulfil a financial goal. In Gold Loans, individuals pledge their gold jewellery or coins as collateral to get money from a lender. The loan amount is calculated based on the value of the gold.
Individuals who have immediate requirements for funds and have gold assets lying idle in their homes can consider applying for a Gold Loan, which is one of the most hassle-free ways of obtaining quick money.
At Axis Bank, you can get a Loan Against Gold from ₹25,001 to ₹40 lakhs. Some of the factors we consider when deciding a loan amount are:
- Your requirement and valuation of Gold
- Your repayment capacity.
Yes, you can avail a gold loan against gold coins issued by banks . Maximum limit of 50 gm per customer will be applicable.
No, it is not mandatory for you to have a co-applicant when applying for our Gold Loan.
Several factors affect the gold loan amount. Some of the popular factors influencing the gold loan amount include the purity and weight of the pledged gold, loan-to-value ratios set by lenders, prevailing market rates of gold and borrower's repayment capacity.
The minimum amount of gold required varies depending on the lender and your loan request.
Yes, senior citizens below the age of 75 years can apply for a Gold Loan.
You should consider applying for a Gold Loan in urgent financial need or require immediate access to funds. Gold Loans offer quick disbursal and minimal documentation requirements.
Yes, gold jewellery is commonly accepted as collateral for a Gold Loan. Lenders assess the purity and weight to determine the loan amount. Borrowers can pledge various types of gold jewellery, including necklaces, bracelets, earrings, and rings. The valuation process considers factors like carat and weight to find the jewellery’s value.
Anyone between the ages of 18 and 75 years is eligible to apply for an Axis Bank Loan Against Gold.
Your application for a Gold Loan needs to be supported by the following documents:
- Passport sized photographs
- Photo identity, address and signature proof
- Pan card / Form 60
- Age proof
Being a farmer does not hinder your application. You are eligible as long as you meet the eligibility criteria the lender sets.
A PAN card is mandatory for loans above a specific limit. Nevertheless, various lenders may have different requirements.
If a Gold Loan is not repaid within the specified tenure, the lender can auction the pledged gold to recover the outstanding amount. Defaulting on a Gold Loan can have serious consequences. Non-repayment could affect the borrower's credit score. Lenders can initiate legal action against the borrower to recover the debt. The borrower may lose ownership of the gold if the auction proceeds do not cover the entire outstanding loan amount.
Yes, you have the option to foreclose or prepay your Gold Loan by repaying the outstanding amount along with any applicable charges.
Axis Bank's Rate Of Interest On Gold Loan Is 14.5%. Find out more about Gold Loan interest rates
We offer you a flexible tenure ranging from 6 to 36 months.
Axis Bank calculates just simple interest on all Loan Against Golds.
Axis Bank offers you two options for repayment of your Loan Against Golds. Select the most convenient one for you from the choices below:
- Monthly interest payment and repayment of principal on maturity date
- Equated Monthly Instalment option
Axis Bank proactively reminds customers of their dues and advises you to keep adequate funds available to avoid additional costs. If you miss making a timely payment, late payment charges will be applicable according to the terms of your Loan Against Gold agreement.
Yes, you can make part-prepayment any numbers of time during the tenure of the loans. Currently, Axis Bank levies no charge for part-prepayment.
Any pre-payment / excess amount paid by you to the Bank shall be appropriated in the loan account basis the below criteria / methodology:
1.Costs, charges and expenses that the Bank may expend to service, enforce and maintain the security and therefore recover the Loan, interest, and all sums due and payable by the Borrower to the Bank under this Agreement (charges)
2.Interest on amounts in default and loss of profit on the defaulted amount/s (penal interest)
3.Interest
4.Principal amount of the Loan.
Repayment options vary based on the lender, but typically include EMIs (Equated Monthly Installments) or a lump sum payment.
You can start the process of applying for a Gold Loan in any of the following ways:
- In person at any Axis Bank Loan Centre. To find the one closest to you, please click here
- By contacting our call centre. To find the toll-free numbers, click here
For the complete list of Axis Bank branch addresses and hours of service where you can apply for a gold loan, please click here.
The same day! Loans get disbursed the day that we receive your application along with all the necessary supporting documents and Gold jewellery as security
For more features of Axis Bank Loan Against Golds, please click here.
Yes, Axis Bank charge a non-refundable processing fee and Valuation fee for every Loan Against Gold application.
For more details of the rate of interest and charges, please click here.
There may be. To check the schedule of charges associated with transactions, click here.
It is not mandatory. However, some lenders prefer proof of purchase, such as a bill or invoice. The gold's purity and weight hold more significance.
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