What is the Quality of Gold That is accepted for Gold Loan Collateral?

  • Gold Loan
  • 1 Years ago
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What is the Quality of Gold That is accepted for Gold Loan Collateral

India is one of the largest importers of gold in the world. With its long-known affinity for this precious metal, Indians view gold in jewelry and as a form of investment. It can be used any time to fund cash requirements by taking a credit against gold at the time of medical emergencies, business expansion, marriage expenses, etc.

What is a Gold Loan?

Jewellery loan or loan against gold ornaments is a type of secured finance that a borrower can take from a lender by pledging one’s gold ornaments as collateral. The finance amount that is sanctioned is generally a certain percentage of the market value of the gold. A jewellery credit is one of the easiest and fastest ways to arrange funds at a time of urgency. Because of the growing popularity of gold loans, many private banks, nationalized banks, and NBFCs offer jewellery credits at attractive interest rates.

How is the Valuation of Gold Decided?

The value of gold is directly related to the purity of the gold and the current market rates of gold. The higher the purity of the gold, the higher is the amount of finance sanctioned. Most of the lenders have an in-house valuation team and an online valuation method on their websites that can help borrowers figure out the exact amount possible for them to raise as credits against pledged jewels or gold coins.

Several points are kept in mind in the process of gold evaluation; they are as below:

  • Gold karats:

The gold quality for gold loans is measured in karats (k), which is an important factor to be considered in the final financed amount to be sanctioned. Diamonds are measured in carat (ct), which is different from Karats k). Many alloys are present in gold jewelry, such as copper, zinc, cadmium, and silver, due to which gold jewelry typically contains 22k gold. The sole purpose of doing this is to make gold damage-resistant. Even the color of gold also varies with the variety and the proportion of different alloys included in gold. Most of the jewelry contains 18k to 22k gold. The amount of jewellery finance for low carat gold will differ from the amount of jewellery finance for high carat gold.

  • Lender’s Loan-to-Value rates:

As mentioned earlier, an LTV ratio is mandatory to be maintained while granting jewellery credits. The RBI decides this rate, currently set at 90% of the gold value. Borrowers will not fetch finances on the gold’s entire value, as the lenders keep the difference amount with them. Here is a gold loan calculator to understand the finance amount that can be sanctioned.

  • The current gold per gram rate:

The market value of gold keeps fluctuating due to various external reasons. RBI has mandated that lenders are required to use the average rate of the last 30 days of per gram rates of gold for the process of gold valuation. For example, if the rate per gram of gold by taking the average rates of the last 30 days happens to be Rs.5000, then for gold jewelry of 22k purity, the per gram value will be Rs.4,583 (5000*22 = 1,10,000/24).

  • Stones and gems:

Any precious stones, diamonds, or gems are not considered while taking out the value of the gold jewelry. In the general sense, the value of gold bars and gold coins is higher while taking a credit against gold.

  • Weight of the gold:

The weight of the gold is one of the most important factors that are considered to zero down on the finance amount. To find out the weight of the gold, an estimate is arrived at by taking the difference after removing the weight of any stones, diamonds, gems, or attachments that may be included in the jewelry that is to be kept as collateral. One can get a higher credit amount by pledging jewelry that has more weight of gold in it. However, at least 10 gm of gold is required in jewelry or any other gold article to be accepted as collateral.

Why Are Gold Loans Popular?

Jewellery credits require minimum paperwork. The lender does not check a borrower’s credit score or evaluate his repayment capacity, as long as the borrower has kept quality gold for jewellery credit. They are easy to arrange and can be taken to meet temporary financial glitches.

How is the Loan Amount Decided?

The jewellery loan based on the purity of the gold can be approved by the lender depending upon its weight. Based on that, the market value of gold is determined, keeping in mind the current rate. Up to 90% of the pledged gold items can be sanctioned as finance amounts. This is also known as the loan-to-value ratio (LTV). The initial LTV ratio was 75%, which RBI moved up to tide over the financial crisis to 90% till 31st March 2021. This means that for every Rs.100 of gold kept as collateral, a credit of Rs. 90 can be taken against it.

The amount of the finance is based on the quality of the gold that is kept as collateral. The lenders have their valuation mechanisms via a physical valuation team in their premises and online verification mechanisms.

FAQs:

  • Who can apply for a gold loan?

Anyone who is of 18 years of age and above can apply for a jewellery credit.

  • What documents are required to apply for a gold loan?

An identity proof, an address proof, a PAN card, and a passport-sized photograph

  • How much time is taken for gold loan sanction?

Jewellery credits are fast and can get sanctioned quickly. If all the documents and collaterals are in place, the finance can be sanctioned within as early as 1 hour.

  • Is your gold safe with the lender?

You should always keep gold jewelry with a licensed bank or NBFC, as taking a jewellery loan from an unlicensed lender can be risky. Shriram City stores the gold ornaments of their customers safely in a room built according to government regulations, equipped with proper electronic surveillance to protect the gold.

  • What is loan foreclosure?

Finance foreclosure is nothing but repayment of the credit amount in a lump sum instead of monthly EMIs. Generally, a foreclosure fee is charged by the lender in case of early repayment. Shriram City does not charge any foreclosure fees from its customers. The customer can redeem his gold kept as collateral by simply repaying the principal amount and interest accrued up to that date.

  • Why opt for a gold loan from Shriram City Union Finance?

A simple rate of interest, flexible tenure of the loan, a suitable repayment schedule, and a hassle-free online application process make Shriram City a preferred choice for a jewellery loan lender.

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  • Fixed Deposit

Is It Possible For a Single Customer in Shriram City to Invest in Both FDs and RDs From the Same Account?

  • Jul 21 2021
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  • Recurring Deposit

Reasons and Benefits of Owning a Two Wheeler in City

  • Jul 28 2021
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  • Two Wheeler Loans

What are the Opportunities for AI in the Financial Sector?

  • Aug 17 2021
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  • Loans

Why Shriram City Union Finance Fixed Deposits Should Be Your Preferred Investment Option

  • Sep 04 2021
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  • Fixed Deposit

Comparing Other Investments methods to Fixed Deposits

  • Oct 22 2021
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  • Fixed Deposit

Comparing Two Wheeler Loan Rates : Key Points to Consider

  • Oct 27 2021
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  • Two Wheeler Loans

Overcome these common challenges while applying for a business loan online

  • Dec 07 2021
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  • Business Loans

Why are SME Loans Crucial for Your Company's Growth?

  • Jan 20 2022
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  • Business Loans

Best Gold Loan Tips You Will Read This Year

  • Jan 21 2022
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  • Gold Loan

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

  • Feb 02 2022
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  • Business Loans

Why It's Easier to Succeed With business Loan Than You Might Think?

  • Feb 09 2022
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  • Business Loans

MSME Loans & Its Importance

  • Aug 25 2020
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  • Business Loans

How to Save Money in Fixed Deposit?

  • Apr 28 2021
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  • Fixed Deposit

Does Shriram City provide an EMI calculator?

  • May 13 2021
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  • Business Loans

How You Can Pick The Best Business Loan

  • May 14 2021
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  • Business Loans

NBFC vs Bank: What makes NBFC better than banks

  • May 24 2021
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  • Two Wheeler Loans

What are the Alternatives for a Business Loan?

  • Jun 16 2021
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  • Business Loans

How to Fulfill your Dreams of Success with Business Loan

  • Jun 23 2021
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  • Business Loans

How to Plan and Save for a Baby: A blog on how to save for a baby's future

  • Sep 07 2021
  • |
  • Fixed Deposit

Choosing the Right NBFC for Your FD: A blog discussing how to choose the best NBFC's for FD

  • Sep 08 2021
  • |
  • Fixed Deposit

How to Save Money on your Budget | How to Build Financial Capital in a Small Town

  • Sep 09 2021
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  • Fixed Deposit

How to choose your business loan online based on interest rates

  • Dec 07 2021
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  • Business Loans

How Are NBFCs Keeping up with the Gold Demand Surge?

  • Dec 10 2021
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  • Gold Loan

Type of Fixed deposits you should buy before you retire

  • Jan 25 2022
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  • Fixed Deposit

How to Explain Fixed Deposits to Millennials?

  • Feb 07 2022
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  • Fixed Deposit

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

  • Feb 07 2022
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  • Two Wheeler Loans

Gold Loan: Expectations Vs. Reality

  • Feb 08 2022
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  • Gold Loan

Is a Guarantor or Introducer Necessary for Availing a Gold Loan?

  • Apr 13 2021
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  • Gold Loan

Invest in Fixed Deposits: Safest and Secure way to get higher returns

  • May 04 2021
  • |
  • Fixed Deposit

Get a fixed deposit with Shriram City & boost your savings today

  • May 07 2021
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  • Fixed Deposit

How to keep your FD money safe through the best investment ideas

  • Sep 07 2021
  • |
  • Fixed Deposit

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
  • |
  • Two Wheeler Loans

Understanding Principal And Tenure Of An SME Loan

  • Oct 19 2021
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  • Business Loans

What is the Importance of a Fixed Deposit on Your Financial Portfolio?

  • Oct 23 2021
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  • Fixed Deposit

How To Evaluate Interest Rates And EMIs For Two Wheeler Loans

  • Oct 26 2021
  • |
  • Two Wheeler Loans

Is investing in Corporate FDs a good option to build your corpus?

  • Nov 25 2021
  • |
  • Fixed Deposit

How to Buy Gold Loans on a Low Budget

  • Jan 21 2022
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  • Gold Loan

Business loans: Expectation vs Reality

  • Feb 09 2022
  • |
  • Business Loans

Easy ways to repay the Loan against Jewellery

  • May 12 2021
  • |
  • Gold Loan

Shriram City: One stop solution for the needs of MSMEs

  • Jun 18 2021
  • |
  • Business Loans

What is your money worth: A blog about understanding FDs and how you can make the most of them

  • Sep 03 2021
  • |
  • Fixed Deposit

How Does My Personal Credit Affect My SME Loan?

  • Oct 19 2021
  • |
  • Business Loans

The Smoothest Way to Apply for Two-Wheeler Loans

  • Oct 27 2021
  • |
  • Two Wheeler Loans

How can students save money every month and get the highest return?

  • Dec 09 2021
  • |
  • Recurring Deposit

Which Fixed-Income Investment Is Best for You Is Determined by Your Time Scale

  • Jan 25 2022
  • |
  • Fixed Deposit

Gold Loan Eligibility – Everything You Need to Know

  • Apr 27 2021
  • |
  • Gold Loan

Tax Indemnity for Two Wheeler Loans

  • Oct 19 2021
  • |
  • Two Wheeler Loans

How Does An SME Loan Help In Business Growth And Expansion

  • Oct 25 2021
  • |
  • Business Loans

Extensive Guide for Choosing a Fixed Deposit with the Best Interest Rates

  • Nov 27 2021
  • |
  • Fixed Deposit

Two Wheeler Loan: Know all about Two Wheeler Loan

  • Aug 24 2020
  • |
  • Two Wheeler Loans

Bike Buying Guide: Factors to Consider While Buying Bike

  • Feb 27 2021
  • |
  • Two Wheeler Loans