Unlock Instant Cash with Your Gold
Get funds in minutes with low interest rates, secure storage, and a hassle-free process. Designed for business, medical, education, and personal needs.
Numbers That Matter for Your Financial Growth
See how our trusted services, wide reach, and member satisfaction make a difference in every financial journey.
Quick
Instant Approval
Quick disbursal when you need it most
Max
Per Gram Loan
Get 80% value as per live market rates
2X
Secure Storage
Protected in high-security vaults
Why Choose Sahayog Gold Loan
Key Benefits of Gold Loan
Sahayog Gold Loan provides fast, secure, and transparent access to funds while ensuring your gold remains completely safe.
- Minimal Documentation: Quick loan processing with simple documentation and no income proof required in most cases.
- Secure Vault Storage: Your gold is stored safely in high-security vaults with CCTV monitoring for complete peace of mind.
- Flexible Usage: Use the loan for any need including business, education, medical emergencies, or personal expenses.
Flexible Plans, Easy Repayments
Flexible Repayment Options
Tailored for You
Choose a repayment plan that fits your financial comfort and cash flow. Our flexible gold loan schemes are designed to give you convenience, control, and peace of mind at every step.
MIS Repayment
Pay only interest monthly and keep your cash flow light while repaying the principal at the end.
- Low Monthly Outflow
- 12 Months Tenure
- Better Cash Flow
- Flexible Closure
EMI Repayment
Enjoy structured repayments with fixed EMIs covering both principal and interest.
- 12–36 Months Tenure
- Fixed Monthly EMI
- Easy Budgeting
- Stress-Free Repayment
Bullet Repayment
Repay the entire amount at once at the end of tenure with zero monthly burden.
- No Monthly Payments
- 12 Months Tenure
- Lump Sum Convenience
- Ideal for Future Income
Testimonials
Voices of Growth & Empowerment
Faq's
Frequently Asked
Question
A Gold Loan is a secured loan where a customer pledges their gold ornaments as collateral for urgent financial needs. It offers quick access to funds with affordable interest rates and minimal documentation. The pledged gold is safely returned once the loan is repaid. Sahayog offers loan amounts ranging from ₹25,000 to ₹25 lakhs based on customer eligibility.
Customers can receive up to 85% of the value of their pledged gold, depending on valuation and policy.
The interest rate ranges from 12.50% to 20% per annum, depending on the loan value and selected scheme.
Gold Loans are processed quickly, with disbursal typically completed within 1 to 2 hours.
Only basic KYC documents are required:
- Identity Proof (Aadhaar, PAN, Passport, Voter ID, Driving Licence)
- Address Proof (Aadhaar, Passport, Driving Licence) and
- A Photograph.
The pledged gold is stored in secure vaults under strict surveillance with double-layer security and sealed packaging until the loan is fully repaid.
Customers can choose from multiple repayment options:
- MIS (Monthly Interest Servicing)
- EMI (Equated Monthly Installment) or
- Bullet repayment (interest paid at the end of tenure along with principal).
Yes, the loan can be pre-closed anytime. A charge of 2% + GST applies if closed before 90 days. After 90 days, there are no pre-closure charges.
Key Advantages:
- Up to 85% Loan-to-Value (LTV)
- Quick & simple process with minimal paperwork
- Transparent valuation and charges
- Secure gold storage with strict SOPs
- Flexible repayment options
- Customer-friendly service at nearby branches