Gold Loans

Life is full of sudden opportunities. Do not allow the opportunities to pass just because of financial constraint. We help you optimise your investment in gold as Gold Loan is not only easy to avail but easy to repay too.

Gold Loan Eligibility

  • Individual Customers between 18 to 70 years of age are eligible for this loan
  • All profiles are accepted except Jewellers
  • No income proof required
  • Acceptance of jewellery type is at the discretion of Bank.
  • Maximum ‘Loan To Value’ is provided upto 75% of Gold Value

How to Apply for Gold Loan

Fill in the online application form and our representative will get in touch with you.
You can apply for a loan by calling our customer call center @ 1860-1200-1200.
Write to us or visit our branches.

Fees & Charges

Loan Processing Fees: 1%
Foreclosure charges: 1% if closed before completion of half tenure
Penal interest : 24% p.a. penalty on total outstanding amount in Loan.
Loan Renewal Processing fees: 1%
Charges initiated by AU Small Finance Bank time to time.

Please note that loan is granted for:
Agricultural purpose and allied activities
Business and personal use
The loan amount cannot be used for purchase of gold coins, jewels, land and other speculative purpose.

Gold Loan Features

You can avail an instant Gold Loan across the table at any of our branches with attractive interest rates and repayment at the end of tenure. We are here to give you the most simplified banking experience. We cover complete safety of collateral with easy documentation and faster turnaround time.