What Are the Eligibility Criteria For a Gold Loan?

  • Gold Loan
  • 1 Years ago
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What Are the Eligibility Criteria For a Gold Loan

All of us have all been through a financial crunch or a medical emergency at some point in our lives. At these times, it is quite common to fall short of cash to tide over the expenses. How do you fulfil this shortage of cash? Through a bank finance, yes, but which type of finance is best for such contingencies?

If you happen to hold or own any gold jewellery or coins, then a jewellery mortgage is the best option. Who is eligible, and how to apply for a gold loan? What are the supporting documents required for a gold loan? Most applicants know about a jewellery credit—but have little idea about its eligibility or requirements. Keep reading to know all about jewellery loan eligibility and more.

Gold Loan Eligibility Criteria

The best thing about a gold loan is that any individual who possesses gold coins or jewellery is eligible to take a jewellery loan. As an applicant, you do not need to produce any income-proof documents like salary slips or bank statements for a jewellery credit. While the gold loan eligibility criteria can vary across banks, here are some basic guidelines of who can apply for a jewellery finance from any bank or financial institution

Age of the applicant

Any Indian citizen above the age of 18 years and a maximum of 70 years is eligible to apply for a jewellery mortgage. Some banks require you to have a co-borrower if the credit applicant’s age is above 70 years.

The profession of the applicant:

Most Indian banks and financial institutions offer jewellery mortgages to salaried employees, businessmen, and self-employed professionals. This also includes farmers and traders.

Accepted quality of gold

For jewellery mortgage eligibility, you can deposit gold in any form, including jewellery, minted coins, and ornaments. The minimum purity of the deposited gold must be 18 karats—and up to a maximum of 22 or 24 karats. Minted gold coins are accepted only if they are 24 karats with a maximum weight of 50 grams.

The approved finance amount is determined mainly by the weight and current market value of the deposited gold.

Next, we shall look at some of the supporting documents required for a gold loan

Documents Required For a Gold Loan

Apart from fulfilling the jewellery credit eligibility criteria, you need to submit copies of the following KYC document to the lending bank (in addition to the applicant’s Aadhar card)

Identification proof (any one document)

Driving license, PAN card, passport, or Voter ID card

Address proof (any one document)

Driving license, rent agreement, passport, or utility bills like your electricity or gas bills

Additional items

Two recent, passport-sized photographs of the applicant


Also, some banks may require you to submit your income tax returns (or ITR) for the previous three years if you are applying for a jewellery finance of above 25 lakhs. Submitting your PAN card is also mandatory if your annual income exceeds 5 lakhs.

Some banks may also need your income proof documents such as:

  • Salary slips (for the previous three months)
  • Bank statements (for the previous three months)
  • Form-16 for the previous financial year

Now that you have met all the jewellery loan eligibility, let us look at why you should opt for a jewellery finance from Shriram City Union Finance (or SCUF).

10 Reasons Why You Should Take a Gold Loan From Shriram City

Here are 10 reasons why you must take a jewellery credit only from Shriram City

  1. Firstly, it is easy to apply for a jewellery finance at Shriram City. All you need to do is fill up the online application form on their website with basic information like name, required credit amount, and email address.
  2. The jewellery loan eligibility criteria in Shriram City are that the finance applicant must be between the age of 18 years to a maximum of 60 years on mortgage maturity.
  3. Your mortgage application is processed faster—and if approved, you get a quick disbursement of your approved credit amount—ranging from INR 10,000/- to up to 20 lakhs - on the same day through bank transfer.
  4. You can avail of a maximum credit amount of up to 75% of the current market value of your pledged gold. No additional collateral is required apart from your deposited gold.
  5. Minimum documentation requirements (including 1 identification and address proof and photographs) without the need to submit any income proof documents like salary slips or ITRs – nor any proof of your credit score or credit history.
  6. The company provides safe custody of your gold for the entire finance tenure, along with the necessary insurance coverage for gold
  7. Additional life insurance coverage for the applicant for the entire finance tenure. In the event of untimely death during the credit tenure, the outstanding finance amount is paid off, and the gold returned to the nominated family member.
  8. Shriram City offers flexible repayment options for your jewellery credit – with both monthly EMI and non-EMI schemes. You can also use the online Gold Loan Calculator to calculate the monthly EMI and payable interest based on the required loan amount, interest rate, and finance tenure in months.
  9. The interest rate on your jewellery loan starts from 11.5% - calculated using simple interest – with a loan tenure stretching from 12 to 36 months.
  10. Low processing fee starting from just 0.1% of your loan amount – along with zero charges for any loan foreclosure before the end of tenure.

The approved jewellery mortgage amount from Shriram City can vary depending on the daily price of gold and the Loan to Value or LTV ratio that varies depending on the lender. For example, the following table shows the gold loan eligibility amount for a gold price of INR 49,712/- (for 22 carats) and an LTV ratio of 75%.

The purity of the gold

Weight in grams

Average Gold Price

Eligible loan amount

22 carats

10

49,712/-

37,284/-

20 carats

10

45,193/-

33,894/-

18 carats

10

40,674

30,505/-

What is the Gold Loan Process in Shriram City?

Here are the easy and simple steps in the entire jewellery loan process in Shriram City:

  1. Apply for a gold loan on the Shriram City website – following which their sales executives will contact you for your mortgage requirement.
  2. Next, Shriram City experts will inspect your gold articles for their weight and purity – and determine your eligible finance amount.
  3. Following this, submit all your documents required for a gold loan to their sanctioning executives. 
  4. Once the documents are verified, you need to sign an agreement with the company – after checking all mortgage details, including sanctioned amount, interest rate, credit tenure, and repayment terms.
  5. Following this step, the finance is sanctioned, and the amount is deposited into your bank account.

Conclusion

This article highlights the jewellery loan eligibility criteria for any applicant, along with the supporting documents that are needed to be submitted. Additionally, we have outlined 10 reasons why you should take a jewellery credit from Shriram City, including its simple and straightforward jewellery loan process

Want to raise some short-term cash using your gold? This is a good time to apply for a gold loan.

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  • Apr 03 2021
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  • Two Wheeler Loans

How Does Business Loan Work

  • May 23 2022
  • |
  • Loans

Important points to consider before taking a Two Wheeler Loan

  • Oct 27 2021
  • |
  • Two Wheeler Loans

11 Ways to Completely maximise your business with the help of Shriram city business Loan

  • Feb 02 2022
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  • Business Loans

Choosing the right Two Wheeler Loan based on interest rate

  • Dec 09 2021
  • |
  • Two Wheeler Loans

Two Wheeler Loan: Complete Details on Eligibility Criteria

  • Feb 23 2021
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  • Two Wheeler Loans

Eligibility for Two Wheeler Loan

  • Sep 11 2020
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  • Two Wheeler Loans

Commercial Vehicle loan for Bikes

  • Jul 27 2021
  • |
  • Two Wheeler Loans

Gold Loan Vs Credit Card

  • May 23 2022
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  • Gold Loan

Features and Benefits of Two Wheeler Loan

  • May 21 2021
  • |
  • Two Wheeler Loans

Bonds vs Fixed Deposit

  • May 23 2022
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  • Fixed Deposit

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
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  • Business Loans

How To Allocate Funds Efficiently After Receiving an SME Loan?

  • Oct 20 2021
  • |
  • Business Loans

Market Trends & Developments of Two Wheeler Loan Segment in India

  • Jul 24 2021
  • |
  • Two Wheeler Loans

10 Things To Know About Two Wheeler Loans Post Pandemic

  • Jan 20 2022
  • |
  • Two Wheeler Loans

Two Wheeler Loan Processing Fees and Other Charges

  • Apr 08 2021
  • |
  • Two Wheeler Loans

Is a Two-Wheeler Loan Eligible for Tax Redemption?

  • Apr 21 2021
  • |
  • Two Wheeler Loans

NRI Loan: Apply for Two Wheeler Loan in India

  • May 21 2021
  • |
  • Two Wheeler Loans

How to Apply for Two Wheeler Loan Online

  • Sep 11 2020
  • |
  • Two Wheeler Loans

Two Wheeler Loan Repayment Tips

  • Jul 26 2021
  • |
  • Two Wheeler Loans

Comparing Other Investments methods to Fixed Deposits

  • Oct 22 2021
  • |
  • Fixed Deposit

Comparing Two Wheeler Loan Rates : Key Points to Consider

  • Oct 27 2021
  • |
  • Two Wheeler Loans

Your two-wheeler loan options are endless with Shriram Finance

  • Feb 24 2021
  • |
  • Two Wheeler Loans

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
  • |
  • Two Wheeler Loans

Tax Indemnity for Two Wheeler Loans

  • Oct 19 2021
  • |
  • Two Wheeler Loans

Apply for Two wheeler Top Up Loan

  • Jul 26 2021
  • |
  • Two Wheeler Loans

Interest Rate Charged on a Two Wheeler Loan

  • Mar 29 2021
  • |
  • Two Wheeler Loans

Two Wheeler Loan: Know all about Two Wheeler Loan

  • Aug 24 2020
  • |
  • Two Wheeler Loans

10 Reasons As To Why You Should Take A Two Wheeler Loan

  • Feb 07 2022
  • |
  • Two Wheeler Loans

How can Students Apply for Two-Wheeler Loans in India?

  • Dec 01 2021
  • |
  • Two Wheeler Loans

How To Evaluate Interest Rates And EMIs For Two Wheeler Loans

  • Oct 26 2021
  • |
  • Two Wheeler Loans

The Smoothest Way to Apply for Two-Wheeler Loans

  • Oct 27 2021
  • |
  • Two Wheeler Loans

Loan For Women Entrepreneurs

  • May 23 2022
  • |
  • Loans

Premature Withdrawal of Recurring Deposit

  • May 23 2022
  • |
  • Recurring Deposit

Is there any TDS on Recurring Deposits?

  • Jul 30 2021
  • |
  • Recurring Deposit

Who Should Consider Investing in a Recurring Deposit?

  • Jul 20 2021
  • |
  • Recurring Deposit

How flexi recurring deposit offers complete flexibility

  • Nov 30 2021
  • |
  • Recurring Deposit

Why You Should invest More Time on Recurring Deposit

  • Feb 05 2022
  • |
  • Recurring Deposit

Advantages and Disadvantages of Recurring Deposit Account

  • May 23 2022
  • |
  • Recurring Deposit

Are recurring deposits covered by insurance?

  • Jul 15 2021
  • |
  • Recurring Deposit

What is the Recurring Deposit Scheme offered by Shriram City?

  • Jul 19 2021
  • |
  • Recurring Deposit

What are the Various Installment Frequencies and Payment Methods available for Recurring deposits(RD)?

  • Jul 30 2021
  • |
  • Recurring Deposit

Is it possible to set up a recurring deposit online?

  • Jul 30 2021
  • |
  • Recurring Deposit

What are the most attractive features of the Shriram City Recurring Deposit?

  • Jul 16 2021
  • |
  • Recurring Deposit

What makes a fixed deposit different from a recurring deposit

  • Jul 08 2021
  • |
  • Recurring Deposit

12 Things You Must Know About Senior Citizen Fixed Deposit Scheme in India

  • Jul 12 2020
  • |
  • Fixed Deposit

सीनियर सिटीजन के लिए फायदेमंद है एफडी, बिना जोखिम मिलता है हाई रिटर्न

  • Oct 21 2020
  • |
  • Fixed Deposit

What is the Difference Between Fixed Deposit and Recurring Deposit?

  • Dec 09 2021
  • |
  • Fixed Deposit

Why should I invest in Shriram City's recurring deposit?

  • Jul 19 2021
  • |
  • Recurring Deposit

7 Up-and-Coming Trends About Recurring Deposit

  • Feb 04 2022
  • |
  • Recurring Deposit

What is the minimum and maximum investment amount for Shriram City Recurring Deposit?

  • Jul 16 2021
  • |
  • Recurring Deposit

10 Things Your Kids Don't Know About Recurring Deposits

  • Jan 21 2022
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  • Recurring Deposit

What are the risks of putting money into a Recurring Deposit?

  • Jul 15 2021
  • |
  • Recurring Deposit

Tips for Students and Professionals on Recurring Deposits

  • Dec 10 2021
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  • Recurring Deposit

Recurring Deposit : - Five problems, one solution

  • Feb 04 2022
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  • Recurring Deposit

Recurring Deposit : Expectations vs. Reality

  • Feb 05 2022
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  • Recurring Deposit

Get started with minimum investment on recurring deposit

  • Nov 29 2021
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  • Recurring Deposit

Why‌ ‌are Recurring‌ ‌Deposits‌ ‌helpful‌ ‌to‌ ‌small‌ ‌businesses?‌

  • Jan 24 2022
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  • Recurring Deposit

Loan against FD

  • May 23 2022
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  • Fixed Deposit