Gold Loan

Fast, Fair, and Transparent

Loan exposure upto
₹ 1 crore

Interest Rates starting at
13.5%

Annual Bullet, Monthly / Quarterly / Half yearly
interest repayment up to 12 months

LTV upto 85% Features and Benefits Eligibility and Documents Interest Rates and Charges How it Works Emi Calculator Regulatory Disclosures

LTV upto 85%

Why ENN ENN Capital

Local trust, fast funding and honest service. Unlock the value of your jewellery with minimal documentation, fair valuation, and complete transparency.

Our Gold Loan services are designed to provide you with instant financial assistance at competitive interest rates. Whether it’s for personal needs, business requirements, or unexpected expenses, we ensure a transparent and secure process, giving you peace of mind.

Your local, trusted lending partner
Fair, transparent valuation methods
Loan-to-Value (LTV) up to 75%
Attractive and transparent interest rates
Secure and safe storage of your gold
Fast processing with minimal documentation

Features & Benefits

From Treasure to Trust: Gold That Works for You

Flexible repayment schemes

Bullet repayment (up to 12 months) or Monthly / Quarterly / Half-yearly interest repayment (up to 12 months).

Fast loan processing:

Visit any of our branches for quick processing and disbursal.

Fair valuation

Transparent appraisal for up to 85% LTV

Part-release & part-payments:

Release specific ornaments or make part-payments any time during the loan tenure.

Secure custody

Ornaments stored under stringent dual-custody and vault protocols.

Eligibility

Resident Indian
Age: 18 to 75 years
Gold purity: 18K to 22K

Documents

Apply Now

Know exactly what you pay, nothing more

Parameter	Details
Loan Amount	Starting from ₹3,000. Total exposure up to ₹ 1,00,00,000
Rate of Interest	Starting from 13.5% p.a.
Loan Tenure	Bullet: up to 12 months \| EMI: up to 24 months \| Monthly/Quarterly/Half Yearly repayment: up to 12 months
Processing Fees	As per scheme: Starting from ₹100 (Including GST)
Schedule of Charges (Excluding GST)
Foreclosure Charges	Nil if loan closed after 30 days. If closed within 30 days: a. If a/c is rebooked for top up/renewal with or without addition/reduction of ornaments, below slab shall apply: - Loan upto 5 lacs: Rs. 300 - Loan of >5 lacs upto 10 lacs: Rs. 500 - Loan of > 10 lacs- Rs. 1000. b. For foreclosures other than indicated in pt. (a) above : 0.25% of Loan sanction
Overdue Notice Charges	₹30 per notice
Registered/Legal Notice Charges	₹200 per notice
Auction Charges	₹1,500
SMS Charges	₹5 per quarter
Pledge Card Lost Charges	₹50
Penal Charges	16% p.a. only on outstanding dues (GST not applicable)

Note: Rates, fees, and product offerings are subject to change. T&C’s apply.

How It Works

Your gold, your trust, our responsibility

Walk in / Apply

Visit a branch with your jewellery and KYC documents.
Appraise & Sanction

We assess purity/weight, set LTV, and sanction the loan.
Disburse & Secure

Get funds (as per norms) while your gold is safely vaulted.

Loan EMI Calculator

Take control of your finances. Use our online calculators to
estimate your EMIs and assess your loan eligibility.

Select Your Loan Type

Loan Amount

₹

₹ 50K ₹ 25L ₹ 50L ₹ 75L ₹ 1Cr

Fifty one Lakh

Rate of Interest

₹

8% 12% 16% 20%

10 %

Loan Duration

12M 120M 240M 360M

12 Months

*Final values may vary subject to company's policy.

Apply Now

Total Amount Payable

₹58,81,250

Principal Amount

₹51,00,000

Total Interest Payable

₹7,81,250

Monthly EMI

₹1,63,368

Regulatory Disclosures

Ensuring transparency and compliance for your trust

Methodology of valuation of gold Download PDF
Compensation policy in case of loss/damage of gold collateral Download PDF
Process for release of gold collateral in the event of borrower's demise Download PDF

Gold Loan

Fast, Fair, and Transparent

Why ENN ENN Capital

Your local, trusted lending partner
Fair, transparent valuation methods
Loan-to-Value (LTV) up to 75%
Attractive and transparent interest rates
Secure and safe storage of your gold
Fast processing with minimal documentation