Unlock the Power
of Your Gold
Get instant funds against your gold jewellery from ₹10,000 to ₹50 Lakh. Same-day disbursal, safe vault storage, and doorstep service — all through Kredistar's trusted lender network.
Gold Loan EMI Calculator
Instant estimate · No OTP · Free advisory
Monthly Interest Payable
Monthly Interest Payable
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Our Products
Complete Gold Loan Solutions
Tailored for every need — whether you want fresh funds, a lower rate via balance transfer, or extra money on top of an existing loan.
Fresh Gold Loan
Get quick funds against your gold ornaments at the most competitive interest rates. Minimal documentation, instant approval, and disbursal within 2 hours of evaluation.
Apply Now →Balance Transfer
Transfer your existing gold loan to us and enjoy lower interest rates and better repayment terms. No foreclosure penalty on existing loan — we handle the process end to end.
Transfer Now →Top-up Facility
Already have an active gold loan with us or our partners? Avail additional funds without re-pledging your gold, based on the current LTV and gold appreciation.
Get Top-up →Details
Features & Eligibility
Everything you need to know before pledging your gold with Kredistar's partner lenders.
Gold Loan Features
- Loan from ₹10,000 to ₹50 Lakh
- Up to 75% of current market gold value
- Interest rates starting at 0.75% per month (9% p.a.)
- Disbursal within 2–4 hours of document verification
- Doorstep pickup of gold ornaments (Bangalore)
- Gold stored in insured, high-security vaults
- Flexible repayment: EMI, bullet, or interest-only
- No income proof required — only KYC documents
- Part release of gold available on partial repayment
- Our advisory service is 100% free for borrowers
Eligibility Criteria
Age
Minimum 18 years. Any Indian resident, including NRIs with gold in India, may apply.
Gold Purity
Gold ornaments of 18–24 karat purity are accepted. Coins (up to 50g) are accepted by select lenders. Gold bars are typically not accepted.
KYC Documents
Valid government-issued ID proof and address proof (Aadhaar, PAN, Passport, Voter ID). No income documents required.
CIBIL Score
No minimum CIBIL score requirement — gold is the primary security. Even a low or no credit score is accepted.
Loan Amount
Lender's appraiser will assess gold weight and purity on the spot. Loan up to 75% of assessed value per RBI guidelines.
Approval Process
Gold Loan Disbursed in 5 Simple Steps
From walking in to funds in your account — as fast as 2 hours for complete documentation.
Apply Online
Fill our quick form or WhatsApp us. Tell us the approximate gold weight and type.
Gold Collection
Our executive collects gold from your doorstep (Bangalore) or you visit the branch with the gold.
Gold Appraisal
Certified appraiser assesses purity and weight. Loan offer generated on the spot.
KYC Verification
Quick document check — Aadhaar and PAN. No income proof or salary slips needed.
Funds Disbursed
Amount credited directly to your bank account or as cash (up to limits). Gold kept securely.
Our Partners
15+ Gold Loan Lender Partners
We compare all of them to get you the best rate and fastest disbursal — completely free of charge.
Finance Tools
Gold Loan Interest Calculator
Gold loans charge simple interest monthly — you pay only interest each month and repay the principal at the end of the tenure.
Calculate Monthly Interest
Why Choose Kredistar for Gold Loans?
- Best Rate Guarantee: We compare 15+ lenders and match you to the lowest available rate.
- Zero Service Fee: Our advisory is completely free. No hidden charges from our side.
- Doorstep Gold Pickup: No need to visit a branch. Our executive comes to you across Bangalore.
- Secure Vault Storage: Your gold is stored in bank-grade insured vaults until full repayment.
- Flexible Repayment: Choose EMI, bullet (interest-only + principal at end), or overdraft facility.
- Part Release Available: Repay partially and get some of your gold back before final closure.
- Any Purpose Loan: No questions asked on how you use the funds. Medical, business, education — all fine.
Ready to unlock the value of your gold?
Apply for Gold Loan →FAQ
Frequently Asked Questions
Everything you need to know about gold loans through Kredistar's trusted lender network.
You can get up to 75% of the current market value of your gold jewellery, as per RBI guidelines. The exact amount depends on purity (18–24 karat), weight, and the lender's assessment. Maximum loan amount available through our partners is ₹50 Lakh.
Yes, absolutely. Your gold is stored in insured, high-security vaults maintained by our partner lenders. All storage is covered under comprehensive insurance. You will receive a detailed receipt of the gold pledged, including weight and purity details.
Funds are typically disbursed within 2–4 hours of gold appraisal and document verification. For doorstep services in Bangalore, factor in an additional 1–2 hours for pickup and travel.
No. Gold loans are secured by your gold jewellery, so your CIBIL score is not a primary factor. Even individuals with low, zero, or no credit history can avail a gold loan without difficulty.
Only KYC documents are needed: a valid government-issued photo ID (Aadhaar, PAN, Passport, Voter ID) and address proof. No salary slips, bank statements, or income tax returns are required for gold loans.
Yes. You can close the loan early by repaying the outstanding principal and interest — no foreclosure penalty in most cases. Part release of gold is also available upon partial repayment with select lenders.
Yes, completely free for borrowers. Kredistar is a registered DSA and channel partner — we are compensated by the lenders, not you. You only pay the standard lender charges (processing fee, if any), which we often negotiate to reduce or waive.
Get a Callback
Our Expert Calls You Within 30 Minutes
A real gold loan specialist — not an automated system — who understands the Bangalore market will guide you through every step at no cost. Get the best gold loan offer tailored to your jewellery and requirements.
- Free eligibility assessment across 15+ lenders
- Best-rate guarantee or we tell you exactly why
- Doorstep gold pickup across Bangalore
- End-to-end support from application to disbursal
- Low CIBIL? No problem — gold is the security
- Zero consultation fees — ever
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