Super Loan
Vridhi Loan
Sampati Loan
Saraswati Loan
Safalta Loan
Sugam Loan
Shubh Loan
Sukhad Loan
Secure a Gold Loan for up to ₹ 1 Crore for your personal or business needs. Get a competitive interest rate starting at 10.75%* per annum, with minimal documentation and an option for one-time bullet repayment at the end of 12 months. We keep your gold safe and secure in our store rooms where it is monitored remotely.
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Features & Benefits
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EMI Calculator
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Documentation & Eligibility
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Fees & Charges
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Frequently Asked Questions
Maximum Funding
Get the maximum value possible as per the gold pledged with us
Safe & Secure
Your gold is stored in state-of-the-art Vaults and Strong Rooms in LTF branches, which are remotely monitored and have restricted access
Minimal Documentation
Only basic KYC documents are needed for your Gold Loan
Quick Disbursement
Once documents and gold are submitted to us, you can expect lightning fast disbursements to your account in 15-30 minutes
Gold Loan Eligibility & Documents Required
Eligibility for Gold Loan
Residency:
Indian resident
Age requirement:
18 years to 70 years
Profession:
Salaried or self-employed individuals
List of Documents Required for a Gold Loan
KYC Documents
PAN and any one of the following- Proof of Possession of Aadhaar Number| Driving License | Passport | Voter ID | Job card by NREGA | Letter issued by the National Population Register containing details of name and address
Address Proof
Proof of Possession of Aadhaar Number | Driving License | Passport | Voter ID etc
Income Proof
Any Valid income proof (Optional. Based on loan requirement)
Gold Loan Fees And Charges
List of all fees and charges for Gold Loan
Loan Processing Fees:
Up to 0.5% of the loan amount + GST
*Varies based on the Scheme opted by the Customer
Super Loan, Virdhi Loan : 0.25% of Loan Amount + Applicable taxes
Sampati Loan : 0.20% of Loan Amount + Applicable taxes
Saraswati Loan : 0.15% of Loan Amount + Applicable taxes
Safalta Loan, Sugam Loan : Rs. 50
Subh Loan, Sukhad Loan : NilSMS Charges:
Rs. 13 taken at closure of the loan (inclusive of GST)
Security Charges:
Rs. 100 taken at closure of the loan (inclusive of GST)
Convenience Charges:
Rs. 5 (inclusive of GST)
Late Payment Charges:
2% per annum of loan amount calculated on number of days after loan expiry
Legal Fees and Charges (Notice Charges):
Ordinary Notice - Rs. 30
Registered Notice - Rs. 100
Auction notice - Rs. 120Auction Fee:
Rs. 450 (inclusive of auction). To be charged in case the gold needs to be auctioned
How to Apply for Gold Loan?
Apply for Gold Loan with these steps
1. Check your eligibility
You must be aged 18-70, own the gold jewellery / ornaments, and ensure its purity is between 18 and 24 karats.
2. Gather required documents
Keep identity proof, address proof, and recent passport-sized photographs ready for the gold loan application.
3. Visit the Nearest L&T Finance Branch
Bring your gold ornaments and documents to the nearest L&T Finance branch. A representative will assess the gold's purity and weight to determine the loan amount.
4. Complete Application and Verification
Fill out the loan application form provided by the branch. The staff will verify your documents and check the gold.
5. Loan Approval and Disbursement
Upon successful verification, the loan will be approved. The sanctioned amount will be disbursed to your bank account.
FAQs & Support
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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.
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.
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 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.
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.
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.
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.
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.
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.
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.
