Fast, Fair, and Transparent

Gold Loan

Loan Amount Upto
₹ 25 Lakhs

Loan Tenure
Bullet up to 12 months

Interest Rates starting at
12% p.a.

EMI
up to 24 months

Overview Features and Benefits Eligibility and Documents Interest Rates and Charges How it Works Emi Calculator Regulatory Disclosures

Overview

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 EMIs (up to 24 months).

Fast loan processing:

Visit any of our branches for quick processing and disbursal.

Fair valuation

Transparent appraisal for up to 75% 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

Starting at 8.50%* p.a.

Interest Rates & Charges (inclusive of taxes)

Know exactly what you pay, nothing more

Parameter	Details
Loan Amount	Starting from 12% p.a.
Loan Tenure	₹3,000 to ₹25,00,000
Processing Fees	Bullet: up to 12 months \| EMI: up to 24 months
Foreclosure Charges	As per scheme; starting ₹100; capped at ₹1,000
Mark-to-Market (MTM) Charges	₹500
Overdue Notice Charges	₹200 per notice
Auction Charges	₹1500
SMS Charges	₹5 per quarter
Pledge Card – Lost	₹50
Cheque Bounce Charges	₹100 per bounce
Penal Charges	6% p.a. on outstanding dues

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.

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
Auction policy 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

Fast, Fair, and Transparent

Gold Loan

Why ENN ENN Capital