Gold Loan

You can apply for a gold loan online or offline. To apply offline, visit your nearest Axis Bank branch. If you want to apply online, follow the steps mentioned below:

Step 1 - Visit the Axis Bank Gold Loan page

Step 2 - Click on “Apply Now”

Step 3 - Fill in the online application form by entering your name, phone number, email ID, and residential address

Step 4 - Select your state, city, and nearest branch

Step 5 - Click on “Submit” to submit your application form

Step 6 - Note down your reference ID number. Wait for our representative to get in touch with you.
We provide gold loans with same-day loan disbursement.

Customer Eligibility

• Individuals owning gold ornaments or coins issued by banks only are eligible for a gold loan.
• Resident individuals, Sole Proprietors, NRI’s, & Non Individual CIF including Pvt Limited, Company and restricted Savings Account between the age group of 18-75 years can apply for a gold loan.
• Credit history i.e. CIBIL checks are required to get a gold loan.

Collateral Eligibility

• Gold ornaments, jewellery, or coins issued by banks are accepted as collateral for a gold loan.
• Gold purity of at least 18 karat is accepted for gold loan.
• Bank-issued gold coins are accepted as collateral, but there is a maximum limit of 50 grams per borrower.

You only need to provide the following documents to apply for a gold loan:

• KYC documents such as PAN card, Aadhaar card, Voter ID or Passport for identity verification.
• Proof of address like an Aadhaar card, utility bills, ration card or rental agreement.
• Gold purchase slip might be required.

• Trustworthiness of the lender: Before taking a gold loan, you must ensure the lender has a good reputation for safekeeping your gold until loan repayment. Axis Bank offers 3X protection, tamper-proof packing, bank vault storage and valuation certificates, among other features to ensure the safety of your gold belongings.
• Loan Amount: The gold loan amount depends on the actual worth of the gold jewellery or gold coin you’re planning to pledge. You can borrow an amount depending on gold purity and quantity. Usually, lenders finance up to 75% of your gold's value. However, this varies from lender to lender.
• Interest rate: Gold loans generally offer lower interest rates compared to unsecured loans as they come under the category of secured loans. You should still compare interest rates from various lenders to save the maximum amount of money with lower interest rates.
• Loan tenure: Selecting the right tenure is another important thing to consider before taking a gold loan. Most lenders offer flexible repayment options with tenures ranging from six to 36 months. You can choose a repayment schedule as per your loan repayment capabilities.
• Repayment options: Lenders provide multiple repayment options to gold loan borrowers. Some of the popular options include regular EMIs or bullet payments/monthly interest. By offering multiple repayment methods, lenders ensure that borrowers get flexibility to choose a repayment method that suits their preferences.