Instant Secured Liquidity

Unlock Instant Cash Against Your Gold

Get instant cash against your gold ornaments within 30 minutes, featuring high per-gram rates, zero credit check hurdles, and 100% secure vault storage.

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Trusted by Customers

Vault Security

30-Minute Disbursal

Experience minimal documentation and rapid evaluation processes designed for immediate financial needs.

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Highest Per-Gram Valuation Guarantee
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No Income Proof or CIBIL Check Required
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Fully Insured High-Security Storage Vaults
Loan Up To₹25 Lakhs

30 Mins

Fastest Disbursal

100%

Insured Vaults

Interest Rate

9.24% p.a.*

Affordable rates on your pledged gold

Loan Amount

Up to ₹25L

Maximum value for your ornaments

Disbursal Time

30 Minutes

Instant cash or direct bank transfer

Security

100% Insured

Military-grade high-security vaults

Loan Solutions

Customized Gold Loan Options

Fastest Disbursal

Instant Cash Gold Loan

Walk in with your gold ornaments and walk out with cash or bank funds within 30 minutes for urgent liquidity.

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Low Interest

Agricultural Gold Loan

Specialized low-interest gold loan schemes tailored specifically to support farming and agricultural seasonal needs.

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Flexible Credit

Overdraft Gold Facility

Pledge your gold once and withdraw money as needed, paying interest only on the exact amount utilized.

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Single Payment

Bullet Repayment Loan

Enjoy the convenience of paying both principal and accumulated interest together at the end of the loan tenure.

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Quick Process

4 Simple Steps to Get Cash

01

Bring Your Gold

Visit your nearest KalyaniFinance branch with your gold jewelry and basic KYC documents.

02

Purity Evaluation

Our certified gold evaluators assess weight and purity transparently right in front of you.

03

Instant Valuation

Get the maximum loan offer per gram based on current market rates instantly.

04

Immediate Disbursal

Receive funds instantly via direct bank transfer or cash while your gold is safely locked away.

Eligibility Criteria

  • Age: Minimum 18 years to 70 years
  • Ownership: Gold ornaments must be owned by the applicant (minimum 18 karat purity)
  • Employment: Salaried, self-employed, homemakers, or agriculturists
  • Credit Score: No strict CIBIL score requirement since it is a fully secured loan

Required Documents

  • Identity Proof (PAN Card, Voter ID, Passport)
  • Address Proof (Utility bills, [Aadhaar Redacted], Driving License)
  • Passport-size photographs

Frequently Asked Questions

Q1Is my pledged gold completely safe with KalyaniFinance?

Yes, your gold ornaments are stored in high-security, fire-proof vaults equipped with 24/7 surveillance and are 100% insured.

Q2What is the minimum and maximum gold loan tenure available?

Our gold loan tenures are highly flexible, ranging from 3 months up to 36 months with options for easy renewals.

Q3Can I prepay my gold loan without any penalty charges?

Yes, you can close or prepay your gold loan anytime before the tenure ends with zero foreclosure or hidden penalty charges.

Get Cash in 30 Minutes

Walk into any branch with your gold and walk out with cash. No CIBIL check needed.

Instant Purity Evaluation
100% Insured Vault Storage
Minimal Documentation
Highest Per-Gram Rate
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Zero foreclosure charges • Same-day closure

Gold Loan Calculator

Check how much your gold is worth and your eligible loan amount.

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