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Gold loan is a popular type of secured loan referred to as loan against gold. It is availed by pledging your gold ornaments with a lender in exchange for money. Gold loan is much similar to personal loan as there is no restriction on the purpose of utilization of loan money. It can be used to pay children’s education, for purchasing a car, home improvement or so on. You can freely pledge your jewelry, gold coins or bars to "Avail the Gold Loan". ShubhBank makes it easy for you as we ensure you not to get misguided while availing a loan or pledging your precious asset.

Those days are gone when people use to think over the fear of pledging gold. All knows Indians have an emotional connect with the yellow metal passed on from previous generations and value it immensely. So collecting gold at your side will result in having equivalent hard cash sometimes. Gold is highly liquid and can be exchanged for cash instantly. It would help you fund all your financial emergencies as you can avail it in matter of few hours.


The procedure to "Apply For a Gold Loan" is hassle free and quick. You just have to follow some simple steps to avail it.

Walk in to our branch or apply online for gold loan at our website with the requisite documents.

Fill the application form with basic personal and professional details.

We will check your application form and afterwards the quality of gold you going to pledge against loan.

We would weigh your gold ornaments and quote the loan amount based on the quantity and quality of gold.

We will hand over you the term sheet that you must read all the terms and conditions before signing it.

The requisite documents that are accepted as valid identity and address proof are Aadhaar card, voter ID, valid driving license, electricity bill or attested bank passbook. There is no loan that comes without rate of interest. Being a secured loan, the interest rates for gold loan are low as compare to other unsecured financial products.


The lender gets the possession of your asset in exchange of funds and held by them until you repay the dues. There are so many lending companies that come out to be fraud so to avoid loss you must verify the details of lender carefully. The best way to avoid such fraud is to avail a gold loan from ShubhBank where your gold is kept secured.

Before applying for a loan, you must compare various lenders to arrive on a final decision. Check the interest rates and flexible repayment options offered by all the lenders and finalize the best suited to you.

Always ask the lender to calculate the loan to value ratio in your presence after weighing the gold. It is calculated on the basis of current market price of gold so you must check and verify.


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