What documentation is required for renewing or extending a gold loan tenure?

If your gold loan is close to its loan tenure end date, you can usually close it and apply for a new loan. However, some lenders may allow you to renew it instead of closing and applying again. Most lenders treat this as a fresh agreement, so they’ll ask for a few updated papers and recheck the pledged jewellery before granting renewal.

What they normally ask for:

Aadhaar or PAN card for ID verification.

A small photo, often clicked again at the counter for records.

Your old pledge receipt or loan statement, just to match account details.

Fresh KYC, if your last one was done long back or expired. 
 

Some lenders will also revalue the gold — they weigh it again, check purity, and note the day’s market price before setting the new loan amount and tenure. The visit usually takes a few minutes if everything is in order and the documents are clear.

It helps to ask about the revised rate and repayment plan before signing, since the renewed loan runs as a new account.