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What are the Factors that Decide the Loan Amount?

What are the Factors that Decide the Loan Amount?

The loan amount is decided as per the value of the gold and the LTV ratio within the chosen scheme. There is no minimum gold required for a gold loan. Gold Loan schemes range from up to Rs 49,999 to ones that start at 5 lakh. You can receive the maximum permissible value of your jewellery as a loan, based on the scheme chosen. Use the gold loan calculator available on our website to understand the perfect scheme for you. Here are the gold loan schemes and their features:

  • Take It Easy
    loans start @ 5 lakhs with lowest interest rate of 6.9% p/a.
  • Easy Max
    loans ranging from 1 lakh to Rs 3 lakh with an interest rate of 14% p.a.
  • Easy Pro
    Loans range from 3 lakhs to 5 lakhs with interest rates starting at 10% p.a.
  • Easy Blue
    Gold Loans up to 49,999 with interest rates starting from 20% p.a.
  • Easy Plus
    Loans of up to 1 lakh at an interest rate of 16% p.a.

Choose a gold loan scheme as per your gold’s valuation and requirement. If you decide to take a lesser amount as a loan than the maximum LTV allowed, you have the option of taking a top-up loan in the future of the remaining loan amount, as and when required. Speak to our gold loan representative to understand the calculation of LTV as per our gold loan schemes and get guidance on how to choose the best one.

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