1. Gold loan
6 months
For family needs: school fees, medical bills, a function at home.
- Term
- 6 months
- Interest
- to confirm
- Pay interest
- Monthly, or at the end
Home / Gold loan
Gold loan in Sankarankovil and Kadayanallur
Pledge your jewellery and get cash the same day. Choose a 6-month Gold loan, a 1-year Agri loan or a 3-month Business loan, and take your gold home exactly as you gave it.
Pledge receipt
Sample
- Your gold
- Tested in front of you
- Today's rate, 22 carat
- —/g
- Cash
- Same day
- Repay
- 3, 6 or 12 months
- Your packet
- Sealed and numbered
Our gold loan schemes
Three schemes, all against your gold jewellery. Your loan amount is based on gold value, purity and applicable lending terms. Our appraiser tells you the exact amount at the branch, before you sign anything.
2. Agri loan
1 year
For farmers: seeds, fertiliser, labour or equipment. Repay after the harvest.
- Term
- 1 year
- Interest
- to confirm
- Pay interest
- Monthly, or at the end
3. Business loan
3 months
For traders and shop owners who need cash quickly for stock or running costs.
- Term
- 3 months
- Interest
- to confirm
- Pay interest
- Monthly, or at the end
How interest is calculated: to confirm. Your exact rate and any charges are printed on your pledge receipt. Processing and appraisal charges: to confirm.
Tested in front of you: weight and purity checked at the counter
Paying early or in parts: charges, if any, to confirm
Sealed packet: your gold is sealed in front of you and tracked by packet number. Insurance cover: to confirm
Get your loan at the branch
Walk in with your jewellery and your Aadhaar card. You don't need an appointment.
How a gold loan works
Four steps, from your first visit to taking your gold home.
Visit a branch
Bring your gold jewellery and your Aadhaar card. You don't need an appointment.
Gold is tested
Our appraiser checks the weight and purity in front of you and tells you the loan amount.
Sign and receive cash
Sign the pledge form and get cash or a bank transfer. Your gold goes into the vault.
Repay and collect
Pay in the app or at the branch. When the loan is cleared, take your gold home.
What to bring
Bring these and your visit will be quick.
- Your gold jewelleryChains, bangles, rings, coins. Minimum purity: to confirm
- Aadhaar cardOriginal. We'll take a copy at the branch.
- PAN cardNeeded for loans above amount to confirm.
- One passport-size photoWe can also take it at the branch.
Who can apply
- Anyone aged 18 or over, living in India
- You own the gold you are pledging
- Jewellery or coins of 18 carat purity or higher confirm minimum purity
- No income proof or credit score needed confirm policy
We don't accept
- Gold bars or biscuits confirm policy
- Gold-plated or gold-covered items
- Weight of stones, wax or thread (deducted from the weight)
Repaying your loan
Pay your way
Pay interest each month, or pay interest and principal together at the end of the term. Part payments are allowed any time.
Renew without taking gold out
At the end of the term, pay the interest due and we'll renew the loan at the current rates.
Collect your gold
Clear the loan, bring your pledge receipt and ID, and your sealed packet is opened in front of you.
Already have a loan with us?
Check how much you owe and pay from your phone in the Nachiyar Gold Finance app.