Gold Loan kya hota hai? Kaise milega turant paisa bina credit check – Full Process by Loansathi

Gold Loan Kya Hota Hai? Kaise Milega Turant Paisa Bina Credit Check – Full Process by Loansathi

Aaj ke time mein jab urgent paise ki zarurat padti hai, to gold loan ek best option hai jo aapke paas rakhe gold jewelry ke against turant funds provide karta hai. Yeh loan secured hota hai, matlab aapka gold collateral ke roop mein use hota hai, aur isme credit check ki zarurat nahi padti. Interest rates bhi reasonable hote hain, aur disbursement bahut fast hota hai. Is blog mein hum detail se samjhayenge gold loan ke bare mein, eligibility, documents, process, aur Loansathi.in se kaise apply karen. Yeh jaankari 2025 ke latest RBI guidelines ke according hai, jo aapko safe aur transparent borrowing mein madad karegi.

Gold Loan Ka Matlab

Gold loan ek tarah ka secured loan hai jo banks, NBFCs, aur gold finance companies dwara diya jata hai aapke gold ornaments ke against. Aap gold jewelry, coins, ya bars pledge karte hain, aur uski value ke 75-90% tak loan milta hai. Yeh loan short-term hota hai, tenure 3 months se 3 saal tak, aur interest monthly pay karna padta hai. RBI ke rules ke under, gold loan mein purity check hota hai (minimum 18 karat), aur no credit score required kyunki gold security hai. India mein gold loans popular hain kyunki gold prices high hain, aur yeh emergency funds ke liye ideal hai jaise medical, business, ya personal needs.

Yeh loan quick hai kyunki process simple hota hai – gold valuation ke baad turant paisa mil jata hai. 2025 mein RBI ne gold loan regulations tight kiye hain taaki misuse na ho, jaise maximum LTV (Loan to Value) 75% for non-agri loans. Interest rates market par depend karte hain, usually 8-22% p.a. Gold loan lene se pehle, apne gold ki value assess karen aur repayment plan banayen.

Eligibility aur Documents

Gold loan ke liye eligibility bahut basic hai, kyunki credit history matter nahi karti. Generally yeh criteria hote hain:

→ Age: 18 se 70 saal ke beech.
→ Ownership: Gold aapka own hona chahiye, family ka bhi chal sakta hai with consent.
→ Gold Purity: Minimum 18 karat, hallmarked preferred.
→ Residency: Indian citizen, address proof ke saath.
→ Loan Amount: Minimum Rs. 1,000 se maximum Rs. 1 crore tak, gold value par depend.
→ No Credit Check: Haan, usually nahi hota, lekin kuch lenders check kar sakte hain.

Required documents minimal hote hain:

✅ Identity Proof: Aadhaar Card, PAN Card, Voter ID, Passport, ya Driving License.
✅ Address Proof: Aadhaar Card, Utility Bills, Rental Agreement, ya Passport.
✅ Gold Ownership Proof: Bill ya certificate agar available, lekin mandatory nahi.
✅ Photographs: Passport size photos.

Yeh documents submit karne se loan process start ho jata hai.

Gold Loan Lene Ka Process

Gold Select Karen: Apne gold ornaments ready karen, clean karen.
Lender Visit Karen: Nearest bank ya NBFC branch jayen.
Valuation: Lender gold ki purity aur weight check karega, market rate se value calculate karega.
Application Fill: Form fill karen with personal details.
Documents Submit: ID aur address proof den.
Agreement Sign: Loan terms accept karen, pledge agreement sign.
Disbursement: Turant cash ya account transfer mil jayega, usually 30 minutes mein.

Pura process same day complete ho sakta hai.

Smart Tips, Govt. Rules, aur FAQs

Smart Tips:

• Gold ki purity high rakhen for better LTV.
• Multiple lenders compare karen interest rates ke liye.
• Repayment on time karen taaki gold wapas mil jaye bina auction ke.
• Insurance lena consider karen gold ke liye.
• Partial repayment option use karen agar possible.
• Online calculators se EMI check karen.

Govt. Rules (RBI Guidelines 2025):

• LTV ratio maximum 75% for non-agricultural gold loans.
• All charges transparent hone chahiye, no hidden fees.
• Gold auction only after notice aur grace period.
• Digital gold loans mein data security strict.
• Lenders ko licensed hona chahiye.

FAQs:

Gold loan kitna amount mil sakta hai? Gold value ke 75% tak.
Interest rate kitna hota hai? 8.35% se 22% p.a.
Tenure kitna hota hai? 3 months se 36 months.
Credit check chahiye? Nahi, usually nahi.
Gold wapas kaise milega? Full repayment ke baad.

Loansathi.in Se Gold Loan Apply Ka Process

Loansathi.in par gold loan apply karna easy hai, yeh platform partners ke through quick service deta hai. Agar gold loan specific nahi, to Instant Loan ya Quick Loan options use karen.

Website Visit: Loansathi.in par jayen.
Instant Loan Select: Instant Loan section choose karen.
Details Fill: Name, mobile, loan amount, aur gold details enter karen.
Eligibility Check: System check karega.
Documents Upload: ID aur address proof upload.
Offers Receive: Best offers milenge, select karen.
Disbursement: Verification ke baad turant funds.

Interest Rates Comparison Table

Lender	Interest Rate (p.a.)
PNB	8.35%
SBI	8.75% onwards
Canara Bank	8.90%
ICICI Bank	9.15%
HDFC Bank	9.30% - 17.86%
Axis Bank	9.75% - 17%
Muthoot Finance	12% - 22%
Manappuram Finance	15% - 21.67%

Note: Yeh rates October 2025 ke according hain aur change ho sakte hain. Actual rates ke liye lender se confirm karen.

Loansathi.in Ke Benefits aur Kyun Choose Karen

Loansathi.in ek trusted platform hai jo gold loan jaise urgent needs ke liye fast solutions deta hai. Benefits include:

• Turant approval aur disbursement.
• Competitive interest rates bina hidden charges.
• Online application, ghar baithe.
• Expert support aur guidance.
• Top lenders ke saath partnership.
• Anya services jaise Insurance aur Partnership Program.

Loansathi.in choose karne se aap time save karte hain aur best deal paate hain.

Final Advice / Summary

Gold loan ek safe aur quick tarika hai urgent paise arrange karne ka, bina credit check ke. Par sirf zarurat ke time len aur timely repay karen taaki gold safe rahe. RBI ke 2025 rules transparency ensure karte hain. Pehle gold value check karen, documents ready rakhen, aur reliable platform jaise Loansathi.in se shuru karen. Yeh aapko hassle-free experience dega.