Apply for a Gold Loan at Piramal Finance
Turn your gold jewellery into instant funds with Piramal Finance. High loan value, fair rates, and your gold is fully secured until you repay.
Get an approximate estimate instantly. Unlock the value of your gold.
🔒 Your photo is used only to generate this estimate and is not stored. This is an indicative estimate, not a substitute for physical purity testing at the branch.
Gold Loan Calculator
Get an instant, indicative estimate in seconds - check how much you could borrow against your gold, or how much gold you would need for the amount you want.
- ✓Get an estimate in seconds.
- ✓Works both ways - gold to loan, or loan to gold.
- ✓No sign-up needed to see your estimate.
*Indicative only. Final amount depends on physical purity testing & weight at the branch.
Gold Loan Features & Benefits
Everything is designed to keep your gold safe and your money accessible when you need it.
Highly Flexible Repayment Options
Choose from multiple loan schemes that let you pay interest periodically or at loan closure, repay early without complications, and even part-release your gold after making a partial repayment.
Swift Processing & Instant Disbursal
Get quick access to funds with minimal documentation, immediate gold valuation right in front of you, instant loan eligibility calculations, and direct transfers to your bank account.
Uncompromising Physical Security
Your gold is stored in BIS-certified vault systems secured by three-layer interlocking doors and restricted dual-key access to lockers.
Double-Verified & Digitally Recorded Assets
To ensure absolute accuracy and accountability, two separate valuers verify the assessment of your gold, and each packet is digitally recorded.
Complete Transparency in Valuation
The gold rate is shared before the process begins, and every ornament is weighed separately while its purity is tested and clearly explained to you.
Advanced 24/7 Surveillance
The premises are strictly monitored around the clock via AI-enabled surveillance, after-hours motion-sensor alerts, and oversight from a central command centre.
Your Gold Stays Safe Until Your Loan Is Repaid
A simple, fully transparent process from valuation to vault.
Gold rate shared
Your RM shares the day's live gold rate with you.
Weighed & tested
Each ornament is weighed and purity-tested in front of you.
Loan calculated
Amount is computed transparently using weight and purity.
Funds disbursed
Money is transferred directly to your bank account.
Sealed & stored
Your gold is sealed and stored in high-security vaults with 24/7 AI cameras.
How to Get a Gold Loan from Piramal Finance?
From your first enquiry to money in your account - here's exactly what happens.
Visit Your Nearest Branch
Visit your nearest Piramal Finance Gold Loan branch with your gold
Know the Gold Rate Upfront
Get complete transparency with the prevailing gold rate shared with you before the valuation begins.
Transparent Gold Valuation
Your gold is assessed right in front of you, ensuring a fair and transparent valuation process.
Instant Bank Account Transfer
Once your loan is approved, the funds are transferred directly to your bank account.
Safe & Secure Gold Storage
Your pledged gold is securely sealed, digitally recorded, and safely stored until you repay the loan and collect it.
Gold Loan Fees & Charges
Clear, upfront pricing. Indicative figures shown below - exact charges are confirmed in your sanction letter.
| Charge | Indicative amount |
|---|---|
| Interest rate | As per scheme |
| Processing Fee for Fresh | Minimum ₹100 or up to 0.15% of the loan amount + GST |
| Foreclosure Charges | NIL |
| Penal Charges | 0.5% p.m. on the overdue amount |
| Safe Custody (post loan maturity) | ₹10/gm per month + GST |
| Stamp Duty & Statutory Levies | Actuals as per State Laws |
| Document Charges | NIL |
| Notice Charges | ₹ 200 + GST |
| SMS Charges | ₹6 per quarter (incl. GST) |
| Auction Charges | On Actuals |
*All figures are indicative and for illustration only. Actual rates and charges depend on the selected scheme and are subject to Piramal Finance's prevailing policies.
Eligibility & Documentation
If you own gold, you're almost there
Who can apply
- ✓Indian resident aged 21 to 70 years.
- ✓Owns gold jewellary of 18K–22K purity.
- ✓Bank-minted gold coins accepted up to 50 grams.
- ✓Business Owners: Quick working capital without selling assets
- ✓Salaried Professional: Reliable support during urgent financial needs
- ✓Family Managing expenses: Funds for education, healthcare, or responsibilities
- ✓Women Decision Makers: Safe handling of family gold with full transparency
Documents needed
- ✓ID proof: Aadhaar, PAN, Passport, Voter ID or Driving Licence.
- ✓Address proof: Aadhaar, utility bill or rent agreement.
- ✓The gold you wish to pledge.
Gold Loan FAQs
What is a gold loan and how does it work?
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How is my gold's purity checked?
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How long does disbursal take?
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Is my gold safe with Piramal Finance?
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What documents do I need to apply?
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Will I get same gold back?
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What type of gold is accepted?
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How much gold loan will I get?
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What is Loan-to-Value (LTV)?
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How to repay the gold loan?
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What Our Borrowers Say
The AI photo estimate told me roughly what I'd get before I even left home. At the branch the amount matched closely. Money was in my account the same hour.
They weighed and tested my bangles right in front of me and explained every charge. No hidden fees, and I got a digital receipt instantly. Very transparent.
I was worried about safety, but seeing the sealed packet and the vault monitoring put me at ease. Repaid early with zero foreclosure charges.