Gold Loan
Immediate liquidity — against gold you already own.
Get access to funds on the same day — by pledging your gold jewellery or ornaments as collateral. No income proof. No credit history check. No lengthy processing.
Fast. Transparent. Fully secured by what you already own.
Same-Day Processing and Disbursement
From gold assessment to funds in your account — the entire Gold Loan process is completed in a single branch visit on the same working day.
No Income Proof Required
Your gold is assessed on its value alone — not your salary, ITR, or employment status. Accessible to everyone, regardless of income documentation.
No Credit History Check
Your credit score does not matter here. Your eligibility begins and ends with the gold you bring.
Gold Stored Securely
Your pledged gold is stored in the bank's secured vault under dual-custody procedures — accessible only through the bank's formal authorisation process.
Competitive Loan-to-Value
Hindusthan offers Gold Loans up to [X]% of the assessed value of your gold — the maximum permitted under RBI guidelines.
Flexible Repayment Options
Repay your Gold Loan at any time before the due date — in full or in partial amounts. Early repayment reduces your interest cost and releases your gold sooner
Gold Returned in Original Condition
We return your gold the way you gave it to us — sealed, weighed, and verified with you present.
Loan Renewal Option
Unable to repay at maturity? Your loan can be renewed — subject to current gold value and applicable interest rates.
Who are Eligible
- Salaried Individuals
- Self-Employed Individuals
- Senior Citizens
- Existing Hindusthan Members
Required Documents
Aadhaar Card
Valid Aadhaar card for identity and address verification
PAN Card
Mandatory for all personal loan applicants
Address Proof
Utility bill, passport, driving licence, or bank statement — not older than 3 months
Photograph
2 recent passport-size photographs
Income Proof
Salary slips, ITR filings, pension certificate, or business financials — based on your applicant type
Bank Statements
Last 6 to 12 months' statements — salaried, self-employed, or current account as applicable
Employment or Business Proof
Appointment letter, employer ID, GST registration, or business certificate — as applicable
Loan Application Form
Completed and signed — available at your nearest branch
How To Register
- 1Collect the gold jewellery or ornaments you wish to pledge and your KYC documents — identity proof, address proof, and PAN Card if your loan requirement is above ₹[X].
- 2Walk into any Hindusthan branch that offers Gold Loan services. No prior appointment is required. Inform the branch staff that you are applying for a Gold Loan — they will direct you to the Gold Loan counter.
- 3The bank's trained appraiser will assess your gold — weighing it, testing its purity, and calculating the maximum loan amount — in your presence.
- 4Once you are satisfied with the assessed loan amount and the applicable interest rate and tenure, complete the Gold Loan application form with the staff's assistance.
- 5The loan amount is credited to your linked Hindusthan Savings or Current Account immediately after the pledge is formalised — typically within the same branch visit.
Gold Loan Calculator
Monthly EMI
₹86.53
for 12 months
Total Interest
₹38.32
Total Repayment
₹1,038.32
Disclaimer: The calculator provides estimated EMI; actual figures will be as per RBI guideline. Final calculations will be available at the branch. Floating / Fixed ROI will be available based on customers requirement
