indiagold offers a trusted digital platform for securing instant gold-backed loans through verified partnerships with leading Indian banks. Designed to serve personal, business, educational, and emergency financial needs, the service connects users with streamlined approval processes, competitive interest rates, and high loan-to-value offerings on gold assets. With strong banking affiliations, rapid turnaround times, and fully transparent terms, indiagold is positioned as a safe, accessible, and reward-driven loan solution for Indian consumers.
Fast and Accessible Gold Loan Services
- Apply for a gold loan and receive approval in as little as 20 minutes.
- Disbursements can be processed within 24 hours, operating 7 days a week including public holidays.
- Available in major cities including Delhi, Gurgaon, Noida, Faridabad, Ghaziabad, Indore, Surat, Mumbai, Chennai, Hyderabad, Pune, and Lucknow, with expansion to other regions underway.
- On-ground service and digital application support offer flexible access to loan products.
Partnered Lending Institutions
- Loans are provided in collaboration with HDFC Bank, Axis Bank, and Shivalik Small Finance Bank.
- Banking partners ensure regulatory compliance, secure transactions, and credible lending practices.
- All loan products carry institutional backing for terms, interest rates, and disbursement protocols.
Interest Rates and Repayment Terms
- Monthly interest rates begin from 0.85%* depending on scheme selection and loan tenure.
- Annual rates start from 10.20%*, offering competitive options for diverse use cases.
- Loan tenure ranges from a minimum of 61 days to a maximum of 12 months.
- Representative example: A loan of Rs.5,00,000 includes rates within the disclosed APR cap of 21%.
Loan Use and Eligibility
- Loans may be applied to business expansion, personal financial needs, education funding, auto-related expenses, or medical emergencies.
- Eligibility based on the quantity and purity of gold jewelry pledged as collateral.
- Schemes are tailored to match customer priorities—whether maximizing cash release or minimizing interest burden.
- No complex paperwork required; process is simplified for digital convenience.
Safety, Transparency, and Compliance
- indiagold is registered under the Startup India program by the Government of India.
- Insurance protection offered via The New India Assurance Co. Ltd. and ICICI Lombard General Insurance.
- Digital platform ensures secure user data handling and compliance with applicable lending regulations.
- Instant approval and high per-gram rate ensure both liquidity and security for gold assets.
Referral Incentives and Gold Rewards
- Users can earn free gold rewards of up to Rs.1 lakh by referring friends to the app.
- Once a referred contact completes their first transaction, both users receive reward benefits.
- The referral program promotes user engagement and offers tangible savings for successful participation.
Seven-Day Availability and Dedicated Support
- Loan services and support are operational every day, including weekends.
- Customer service available via toll-free number for loan inquiries, scheme selection, and technical assistance.
- Service infrastructure designed to accommodate urgent loan needs and flexible repayment assistance.
Frequently Asked Questions
Q: How quickly can I get my loan approved?
Most loans are approved within 20 minutes and disbursed in 24 hours.
Q: What is the minimum loan tenure?
The minimum repayment period is 61 days.
Q: What is the maximum APR?
The annual percentage rate does not exceed 21%.
Q: Which banks are involved in lending?
HDFC Bank, Axis Bank, and Shivalik Small Finance Bank are the lending partners.
Q: Can I use the loan for personal or medical needs?
Yes, gold loans support various expenses including personal, business, and emergency situations.
Q: Are there rewards for referring others?
Yes, both you and your referral can earn free gold after their first transaction.
Q: What interest rates are offered?
Monthly rates start from 0.85%, and annual rates from 10.20% based on selected schemes.
Q: Is my gold insured?
Yes, insurance coverage is provided through ICICI Lombard and The New India Assurance.
Version History
v3.33 — 26 Jun 2025
Renewal Experience Enhancement • Improved interface and backend logic for smoother gold loan renewal process
v3.32 — 12 Jun 2025
Continuation of Renewal Updates • Further refinements to the gold loan renewal journey
v3.28 — 20 Apr 2025
In-App KYC for Digital Gold Buyers • Added status tracking: clearly labeled as “Pending” or “Verified” • Introduced direct KYC initiation from within the app
