Gold Loan FAQs
Explore gold loan options with our comprehensive FAQs. Find clear, concise answers to help you secure the one of the best loan terms.
- Posted:18th August, 2025
- Updated:18th August, 2025
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Some lenders may allow partial release of pledged jewellery if you make a proportionate repayment of the principal and interest.
Read More - Posted:18th August, 2025
- Updated:18th August, 2025
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Gold loans are generally not transferable between lenders during the tenure of the loan. Once you have pledged your gold with a lender, it remains in their custody until the loan is fully repaid. If you wish to switch to another lender for better terms, you must first repay the existing loan in full, retrieve your gold, and then pledge it with the new lender for a fresh loan. Some lenders may offer a balance transfer facility, but this typically involves the new lender settling your outstanding dues directly with the original lender and taking possession of the pledged gold.
- Posted:18th August, 2025
- Updated:18th August, 2025
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Yes, KYC (Know Your Customer) is required when you apply for a gold loan in India.
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- Updated:18th August, 2025
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Yes, you can take a gold loan more than once, provided you meet the lender’s eligibility criteria each time.
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- Updated:18th August, 2025
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Both gold loans and overdraft facilities against gold use your gold as collateral, but they are designed to meet different financial needs and offer distinct advantages.
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- Updated:18th August, 2025
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A gold loan overdraft facility is a flexible credit option that allows you to use your gold as security while giving you access to funds whenever you need them.
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- Updated:18th August, 2025
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The interest rate for an overdraft (OD) facility against a gold loan is generally in the same range as a standard gold loan but the exact rate you receive depends on the lender’s policies, the amount you borrow, and the purity of your gold.
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