Valuation determines available borrowing
The lender assesses the gold’s eligible weight and purity. The amount offered depends on its valuation and applicable lending policy; purchase price and making charges are not a guaranteed borrowing value.
Gold Loan Guidance
Know the terms before you pledge your gold.
Understand how a gold-backed loan is assessed before pledging your jewellery. The provider determines acceptable gold, valuation, available borrowing and the repayment structure.
An enquiry is not a loan application approval. Availability, pricing and final terms are determined by the lender.
Who this is for
An assessment of the gold and the repayment plan
Eligible gold must be assessed through the lender’s authorised process. Accepted ornaments, purity and net weight influence valuation; making charges and a purchase invoice do not establish the amount you can borrow. Confirm the repayment dates before pledging an asset with personal value.
Purposes to discuss
- Short-term requirements
- Household expenses
- Business cash flow
- Other permitted purposes
Permitted use of funds depends on the chosen product.
What to understand
The pledge deserves as much attention as the amount.
Choose a repayment you can meet
Gold-loan repayment structures can differ. Check when interest and principal become payable, the total charges and the procedure for releasing pledged gold after repayment.
Understand the pledge
The gold remains pledged until the applicable obligations are settled. Missed repayments can put it at risk of sale under the agreement and applicable process. Ask about notices, charges and renewal conditions.
Prepare with purpose
Documents for a useful first discussion
Use this as a starting checklist. The chosen lender will confirm the records, format and period it needs for your case.
Use the website form for an initial enquiry. Do not include account passwords, PINs or sensitive identity numbers in the message.
Read the documents guide- Identity and address evidence accepted by the lender
- PAN or other tax-related documentation where applicable
- Eligible gold for physical assessment by the lender
- Any purpose or repayment information the lender requests
From planning to review
A clear process for a valuable asset.
-
Describe your requirement
Explain the amount, purpose and expected repayment source.
-
Confirm the authorised process
Identify the provider location and custody arrangements.
-
Review the valuation and offer
Check the assessed gold details, amount, charges and due dates.
-
Keep closure records
Understand how pledged gold is returned after settlement.
Repayment planning
Check the actual repayment structure
An EMI illustration is useful only where the offered product uses equal monthly instalments. For a bullet or other repayment structure, ask for a schedule showing exactly when interest and principal are due.
Calculate an illustrative EMI
Questions, answered
Gold Loan questions
Can I receive a final quote from a photograph of my gold?
A photograph cannot establish an approved valuation. The lender needs to complete its own assessment before confirming the amount and terms.
Does ARUNASUN take custody of my gold through this website?
No. This website records an enquiry only. Confirm the authorised lender location and custody process before handing over any valuables.
A useful next step