Faqs - L&T Finance

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How to get a Gold Loan from L&T Finance?

To get a Gold Loan, visit our Website or any of our Gold Loan compatible branches. Submit your personal details and our representative will contact and guide you to a branch close to you. We will then assess the gold being pledged and KYC documentation, post which subject to the applicable credit appraisal the loan amount is disbursed to your account.

Can I get a Gold Loan online?

Yes, you can apply for a Gold Loan online through our Website. Fill in the required details and submit the loan application, post which a representative will get in touch with you.

Why should I go for a Gold Loan with L&T finance?

Our Gold Loans are super-easy to avail, equally easy to repay, and are hassle-free. We offer the maximum per gram value on gold pledged. One can also avail the part release facility on your jewellery pledged when you need it by making part payment.

What are the repayment modalities with L&T Finance's Gold Loans?

You can repay at our branches, using the Planet App, through QR code, cash, UPI and Netbanking/digital wallets. Please note, cheque payments are not allowed.

What is the maximum amount of Gold Loan that can be availed?

Gold Loans are offered by L&T Finance between ₹ 1,500 to ₹ 1 Crore. We have various schemes based on the amount of gold being pledged with us.

Can I avail more than one Gold Loan?

Yes, you can avail multiple loans with us, as long as it is from the same branch.

What are the eligibility criteria for availing a Gold Loan?

Any Indian Resident between 18-65 years of age, with valid KYC documents (Proof of Possession of Aadhaar Number, PAN, etc.) can avail the Gold Loan, subject to other eligibility requirements.

Will Loans be given on bullion bars and other forms of Gold such as ETFs?

No. As per RBI regulations, gold jewellery are eligible securities for availing Gold Loans.

Will my Gold be safe?

Our branches have relevant controls in place including multiple key custodians. Vault access is only enabled when provided remotely through a centralised command center. The gold itself is stored within strong rooms that meet RBI specifications. Each branch will also have enhanced security via cameras and armed guards to ensure safety of the pledged gold.

What are the minimum and maximum tenures of a Gold Loan?

All Gold Loans are for a tenure of 12 months. However, based on the various schemes we have available, you can avail rebated interest rates based on early repayment.

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