Muthoot Finance Gold Loan Procedure:

Step 1. A borrower needs to submit a short application form to

the Lender with Gold assets.
Step 2. The lender analyses the assets offered by the applicant
(including the purity and weight of gold).
Step 3. The Loan is sanctioned after checking the authenticity of
the gold.
*The whole process takes 10-15 minutes or an hour.
Gold Loan Scheme

Loan Tenure / Period

Rate of Interest (p.a.)

TrueValue Loan

3 / 6 / 12 months

15% / 18% / 21%

Fair Value Loan

3 / 6 & above 6 months

17% / 20% / 24%

Real Value Loan

6 / 12 months

20% / 23%

Xpress Loan

9 / 12 months

21% / 24%

Easy Loan

6 /12 months

23% / 24%

Super Loan

12 months

24%

Installment Scheme

6 / 9 / 12 months

14% / 14.5% / 15%

Installment Scheme

18 / 21 / 24 / 15 months

16.75% / 17% / 17.25% / 17.5%

Loan Overdraft

n/a

20%

Apply Online For Gold Loan

Muthoot Gold loan Procedure
1. First of all, apply online for Loan against Gold.
2. Afterwards, borrower will have to submit an application form along
with his / her valuable Gold asset.
3. Then the bank will evaluate the real value of your Gold in terms of
its purity and weight.
4. Finally, the Loan is sanctioned to the applicant after checking the
genuineness of the asset provided.
5. The whole Gold Loan process takes around.

* For any assistance regarding Gold Loan, call us on 60011600,

our trained Relationship Managers will provide you the best
information.
Leading Gold Loan Providers in India
Manappuram Gold
Loan

Axis Bank Gold

Loan

HDFC Gold
Loan

Other Gold Loan

Providers

Why Manapurram gold loan?

1. Lowest Rate of Interest
2. Quick disbursal.
3. No credit check or salary criteria.
4. Simple documentation.
5. 100% security of your precious asset.
6. Less processing charges.
7. No hidden charges.
Apply for Gold Loan

Scheme Name

Loan

Slab

Rate of Interest (p.a.)

Tenure
In

Annualized

In Other

Kerala
State
0 - 30
days

GL-SY Scheme

210
Days

31- 60
days

Interest Rate

14%

24%

States

14%

25.83%

24%

61210

26%

26%

19%

19%

days
0 - 30
Privilege Loan
(GL-PL)*

days
90 Days

23.07%
31 - 90
days

24%

24%

0 - 60
Swarna Shakthi
(GL-SX)

24%

days
90 Days

25.53%
61 - 90

26%

days
0 - 60
Loan
(GL-SI)#

24%

days

Simple Interest
90 Days

25.01%
61 - 90
days

26%

0 - 30
days
Xpress Loan

210

31 -60

(GL-XG)

Days

days
61-210
days

23%

24%

24%

26.50%

25%

26%

0 - 30

20%

days
Value for Money

270

31 -60

(GL-VM)*

Days

days

27.70%

61-270

days
31 -60
Super Loan

270

(GL-SG)

Days

days

24%

26%

days
0 - 30

25%

23%

23%

24%

24%
27.96%

61-90
days
91-270
days

Samadhan Gold

365

0 - 30

Loan

Days

days

25%

25%

26%

26%

22%

27.88%

23%

31 -60
days
61-90

(GL-SA)

days
91-365
days
0 - 30
days
31 -60
days

Super Relax Gold

Loan
(GL-SR)

365
Days

61-90
days
91-120
days

23%

24%

24%

25%

25%

26%

15%

15%

17%

17%

19%

25.70%

19%

22%

22%

25%

25%

21%

21%

121365
days
0-30
days
GL B1-N

90 Days

23.07%
31-90
days

23%

23%

0-30
days
GL B1+N

90 Days
days
0-30
days

24%

17%

17%
23.06%

days
0-30
days
180

31-60

Days

days
61-180
days

GL B4+

24%

90 Days
31-90

GL B3+

180

0-180

Days

days

GL OH

90 Days

GL OL

90 Days

21%
23.77%

31-90

GL B2+

21%

0-90
days
0-90
days

25%

25%

22%

22%

24%

25.96%

25%

24%

25%

15%

15.69%

15%

24%

24.82%

24%

21%

21.67%

21%

Note: Higher loan amounts, depending on purity, net weight of

the gold.

Documents Required for Manapurram Gold Loan

1. Proof of Identity: Passport Copy/ Voters ID card/ Driving License.
2. Address Proof: Ration card/ Tel, Electricity Bill/ Rental bill/
Passport copy/Trade license /Shop & Est. License/Sales Tax
certificate.
3. Signature Proof: Passport Copy/Driving License/Banker's
verification/cheque.
4. 2 passport size photographs.

Manapurram gold loan Procedure

1. First of all, Apply online for Loan against Gold.
2. Afterwards, borrower will have to submit an application form along
with his / her valuable Gold asset.
3. Then the bank will evaluate the real value of your Gold in terms of
its purity and weight.
4. Finally, the Loan is sanctioned to the applicant after checking the
genuineness of the asset provided.
5. The whole Gold Loan process takes around.

Why HDFC Gold Loan?

1. Loan Amount: A maximum amount of Rs.10,00,000 can be

availed.
2. EMI options: Hassle free payment of EMIs.
3. Instant liquidity: Enjoy liquidity of cash at any time. Generate
instant cash in time of need.
4. Security: The customer can rest assured that their gold is in safe
hands.
5. Interest Rates: Individual can get the advantage of Lower Interest
Rates for this Loan.
6. A person can also apply for Gold Finance on Agricultural Land on
their name and get a discount of 1% on the interest rate charged.

Call us on 60011600 or 9878981166

Loan Tenure /
Period

Rate of Interest
(p.a.)

Valuation
Fee

12 months

11 % to 14 %

NIL

Documents Required for Gold Loan

1. Proof of Identity: Passport Copy/ Voters ID card/ Driving License.
2. Address Proof:: Ration card/ Tel, Electricity Bill/ Rental bill/ Passport
copy/Trade license /Shop & Est. License/Sales Tax certificate.
3. Signature Proof: Passport Copy/Driving License/Banker's
verification/cheque.
4. Two passport size photographs.
HDFC Gold Loan Procedure
1. First of all, Apply online for loan against gold.
2. Afterwards, borrower will have to submit an application form along
with his / her valuable Gold asset.
3. Then the bank will evaluate the real value of your Gold in terms of
its purity and weight.
4. Finally the Loan is sanctioned to the applicant after checking the
genuineness of the asset provided.
5. The whole Gold Loan process takes around.
* For any assistance regarding Gold Loan, call us on 60011600,
our trained Relationship Managers will solve all your queries.

UNION GOLD LOAN

Union Gold Loan provides alternate source of credit to needy farmers as well as individuals.

All individuals are eligible to avail loan under this scheme.

Quantum of loan:Priority sector -- Need based /Project based.
Consumption loan -- Up to Rs.2, 000/-.
Non-priority sector -Up to Rs.4.00 lakh. Sanctioned by Branch Head as per their delegated power and maximum up to
Rs.10.00 lakh sanctioned by RLCC
LENDING RATE:The lending rate of the Union Gold scheme is Rs.1800 per gram of gold ornaments of 22 carats or 80% of appraised value
of gold, whichever is less, subject to periodical revision by the Bank on the basis of gold price.

Interest

Agriculture Purpose

Rate

10.90% p.a Upto Rs. 2 lacs (BR+1.25%)

11.65% p.a Above Rs. lacs Upto 5 lacs (BR+2.00%)
11.90% p.a Above Rs. 5 lacs (BR+2.25%)
Other Than Agriculture (Priority Sector)
11.15% p.a (BR+1.50%)
Non Priority Sector
11.15% p.a (BR+1.50%) Upto Rs. 25,000/11.90% p.a (BR+2.25%) Above Rs. 25,000/Base Rate (BR): 9.65%

Loan

Upto Rs. 10,00,000/-

Amount
Eligibility

All individuals are eligible to avail loan under this scheme

Lending

The lending rate of the Union Gold scheme is Rs.1800 per gram of gold ornaments of 22 carats or

Rate

80% of appraised value of gold, whichever is less, subject to periodical revision by the Bank on
the basis of gold price.

Processing
Charges

There are no charges for loans sanctioned for Agriculture purposes.

Documents

Signed Application Form

Required

2 Passport Size Photographs

ID and Address Proof