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Apply for Loan Against Jewellery

  • Avail Easy Loan on Jewellery Instantly
  • Quick Approval with Simple Documentation
  • Availability of Flexible Tenure Option

Get Loan on Jewellery

Taking a loan against jewellery is a safe and easy option if you need immediate access to funds. To take a gold loan at Muthoot FinCorp, all you need to do is keep your gold ornaments as collateral and avail a loan against it. We offer loan amounts up to 75% of the gold’s value in the market, subject to some conditions.

You need not to mortgage your property or any other asset. Instead, you can keep your gold jewellery as collateral and receive the required funds instantly. Borrowers can enjoy a flexible loan repayment tenure for gold loans. Thus, you save yourself from the boundation of repaying the loan within any fixed specified time or at any fixed interest rate or through EMIs. Calculate your repayment structure before applying for a gold loan with our gold loan EMI calculator and plan your finances with ease.

What is the Procedure of Taking Loan on Your Jewellery

Getting a loan against gold jewellery on EMI online is the most accessible way of availing funds. Here are the steps to follow:

  • There’s no demanding eligibility criteria for Muthoot FinCorp Gold Loans. You can check the list of documents required on our website or download the Muthoot Blue App. Muthoot FinCorp lets you calculate your EMI on a gold loan through its EMI calculator.
  • Check the various gold loan schemes Muthoot FinCorp offers to select the best one that suits your requirement and repayment ability.
  • Once you have selected your preferred gold loan scheme and checked for your eligibility, find the nearest Muthoot FinCorp branch with our branch locator feature. Visit the branch locator page on our website and select your city, district, and locality. On entering the details, you would be automatically directed to the nearest Muthoot FinCorp branch.
  • Visit your nearest branch to apply for a gold loan and get your gold jewellery valued to avail instant funds.

What are the Affecting Factors for Loan on Jewellery

The following are the factors that affect loan on jewellery-

  • Gold loan applicants must be between the age of 18-65 years.
  • The gold jewellery that the borrower wishes to mortgage must be between 18-24 karats.
  • The gold is evaluated at Muthoot FinCorp for its purity and weight. It is valued against the prevailing market gold rate to decide the maximum loan amount allowed.
  • Muthoot FinCorp offers a loan amount of up to 75% of the total worth of the jewellery in the market.
  • The interest rate of the gold loan depends on the gold loan scheme chosen and the loan repayment tenure.

Reasons to Choose Muthoot FInCorp for Calculating EMI on Loan On Jewellery

There are several reasons why Muthoot FinCorp is a popular choice amongst all gold loan borrowers. The reasons are as follows-

  • Safe and secure: Muthoot FinCorp keeps your gold jewellery safe. You need not worry about them being damaged or lost; they are kept safe until it is time for you to take them home. All mortgaged gold is kept securely in vaults, monitored 24×7 by CCTV cameras.
  • Multiple Gold Schemes: Use the gold loan calculator to understand your eligibility. Muthoot FinCorp offers multiple gold loan on EMI as well as other payments to suit the needs of its borrowers. The interest rate starts from 9.95%, depending on the gold loan scheme, the loan amount and tenure. The minimum and maximum amount offered in each gold loan scheme also differ. Thus, borrowers are granted freedom and are spoilt for choice when it comes to availing of a gold loan at Muthoot FinCorp.
  • Flexible loan repayment tenure: Muthoot FinCorp offers flexible loan repayment tenures. This flexibility helps borrowers repay their loans through EMIs and bullet payments without adding to their financial burden.
  • Minimum documentation: Applying for a gold loan on EMI with Muthoot FinCorp is hassle-free. Borrowers need to follow a minimum documentation procedure that includes their identity and address proof. Thus, the institution does not burden you with complicated pre-loan procedures during the gold loan application process.

Frequently Asked Questions

A loan against gold ornaments is where you avail of a loan by keeping your ornaments as collateral. Muthoot FinCorp offers you a loan amount of up to 75% of the gold’s value in the market (location dependent). Repay the loan in comfortable EMIs and bullet payments to clear the loan and take your gold home.

Yes, you can get a loan against gold jewellery. The loan amount offered is up to 75% of the ornaments’ total value in the current market.

Yes, taking a gold loan is one of the wisest options when you need emergency funds. Pledge your gold ornaments as collateral until to take an instant loan. It is a great way of leveraging gold ornaments that you rarely wear to meet your urgent requirements.

Gold loan is also sometimes known as a jewel loan as most borrowers pledge their gold jewellery as collateral Borrowers can avail up to 75% of their current value of the gold jewellery by applying for a gold loan.

The extension policies offered to borrowers are at the sole discretion of the lender. Visit your nearest Muthoot FinCorp branch to know more.

Muthoot FinCorp offers gold loan amounts up to 75% of the gold’s value in the market, subject to terms and conditions. To know more, visit your nearest branch or call us at 1800-102-16-16.

Yes, undoubtedly, you can get a loan on jewellery. You just need to visit the nearest branch and keep your gold jewellery as collateral to receive the required funds instantly.

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