Overview
In Indian homes, gold has long served as a symbol of security in addition to being a valuable possession. With our Gold Loan service, we at V Key Finserv assist you in discovering the hidden value of your gold. Our Gold Loan guarantees you immediate liquidity while your gold is kept safe and secure in our care, whether you require money for personal, professional, educational, or emergency medical requirements.
You can obtain the money you require without having to sell your priceless artifacts thanks to our competitive interest rates*, high loan-to-value ratios, and same-day disbursal.
Features
Why Choose V Key Finserv Gold Loan?
- Instant Disbursal – Within a few hours, money will be in your account.
- Attractive Interest Rates* – Start at 0.75% monthly.
- High Loan-to-Value (LTV) – 75% of the market value of gold.
- Flexible Repayment – Select from bullet, quarterly, or monthly payments plans.
- Loan Amount* – From 10,000 to 50 lakhs of rupees.
- Tenure – 3 months to 3 years.
- No Credit Score Requirement – Loan eligibility is determined by the value and purity of the gold.
- Safe Storage – Fully insured, high-security vaults are used to keep gold.
- Minimal Documentation – Just rudimentary KYC is needed.
- No End-Use Restriction – You can use the money for any business or personal reason.
Invest in Your Dreams – Act Now!
Eligibility
Our Gold Loan is designed for everyone who owns gold, with simple conditions:
- Age: 18 to 70 years.
- Ownership: Applicant must be the owner of the gold being pledged.
- Gold Type: Acceptable gold is 22-karat or higher purity in the form of jewellery.
- Minimum Loan Amount*: ₹10,000.
- Residency: Indian residents only.
Documents Required
We keep the process quick with minimal paperwork:
KYC Documents (any one for identity & address proof):
- Aadhaar Card
- PAN Card
- Voter ID
- Passport
- Driving License
Photographs: Passport-sized photos of applicant.
No income proof is needed — loan is approved purely based on the gold pledged.
EMI Calculator
Our Gold Loan EMI Calculator helps you plan repayments by showing:
- Exact EMI amount
- Total interest payable
- Total repayment amount
You can also check bullet repayment amounts if you prefer to repay the loan in one go at the end of the tenure.
Fees and Charges
Transparent charges so you know exactly what you pay:
Particulars | Charges |
Loan Processing Fee* | 0.5% – 1% of loan amount |
Interest Rate* | Starting from 0.75% per month |
Valuation Charges | Nil (free valuation by certified appraisers) |
Prepayment Charges | Nil |
Penal Charges on Overdue EMI | 2% per month |
Renewal Charges | As per actuals |
Safe Custody Charges | Nil |
Note: Conditions Applies*
Reviews
FAQs
Up to 75% of your gold’s market value, depending on purity and weight.
Gold jewellery with 22-karat or higher purity.
No, gold loans do not require a credit history check.
Usually within 1–3 hours after gold valuation and documentation.
Yes, without any prepayment penalty.
Absolutely. We store all pledged gold in high-security vaults with full insurance.
A penal interest will be charged, and continued default may lead to auction as per legal norms.
Yes, only KYC documents are required.
Tenure ranges from 3 months to 3 years.
Yes, we guarantee your gold is returned exactly as pledged.
