Gold Loan — Unlock the Value of Your Gold

Your gold can be more than jewellery—it can also provide access to secured financing when you have a legitimate financial requirement.
With a Gold Loan, eligible gold jewellery is pledged with the lender as security against the sanctioned loan amount. The loan amount depends on factors such as the quality and purity of the eligible gold, its net weight, applicable valuation methodology, LTV requirements and KSR's applicable policies.
At KSR Capital Services, our aim is to make the Gold Loan process simple to understand by providing clear information about eligibility, documentation, valuation, repayment and applicable charges.

Why Consider a Gold Loan?

Business Requirements: Access funds for eligible business working-capital or expansion requirements, subject to applicable terms.
Education Expenses: Financial support for eligible education-related requirements.
Medical & Emergency Needs: Access secured financing for eligible urgent financial requirements.
Personal Financial Requirements: A Gold Loan may help address other permitted personal financial requirements.
Note: Loan approval and permitted end-use are subject to KSR's applicable policies, documentation and terms.

How Does a Gold Loan Work?

01 — Apply: Submit your Gold Loan enquiry online, contact KSR through WhatsApp/phone, or visit your nearest KSR branch.

02 — Gold Evaluation: Eligible gold jewellery is evaluated according to KSR's applicable valuation and purity-assessment process.

03 — Documentation & Approval: Complete the required KYC and other applicable documentation. The application is assessed according to KSR's policies and eligibility criteria.

04 — Loan Disbursement: Once the loan is approved and applicable formalities are completed, the sanctioned amount is disbursed according to the applicable terms.

Gold Loan Eligibility

Who Can Apply for a Gold Loan?
Eligibility for a Gold Loan depends on KSR Capital Services' applicable product criteria and documentation requirements.
Age
Identity and address verification
Ownership/possession of eligible gold jewellery
Gold purity and quality
Required KYC documents
Applicable loan criteria
Other requirements specified by KSR
Final eligibility is subject to KSR Capital Services' applicable policies, documentation, valuation and approval process.

Documents Required for Gold Loan

To apply for a Gold Loan, customers may be required to provide applicable KYC and supporting documents.
Identity Proof
Address Proof
PAN, where applicable
Passport-size photograph
Other documents as required by KSR
The exact list of Gold Loan documents may vary based on the applicant and applicable KSR requirements.

How Is Gold Loan Value Calculated?

The amount available against your gold depends on the applicable valuation methodology and loan-to-value requirements.
Gold Jewellery → Purity Assessment → Net Gold Weight Assessment → Applicable Gold Rate → Applicable LTV / Product Policy → Indicative Loan Amount
The final valuation and sanctioned loan amount are determined by KSR's applicable valuation process, policies, documentation and regulatory requirements.

Gold Loan Repayment

Repayment of a Gold Loan should be made according to the repayment schedule and terms applicable to your loan agreement.
Repayment schedule
Interest payment requirements
Loan tenure
Applicable charges
Prepayment/foreclosure conditions
Consequences of delayed repayment

For exact repayment options available under your loan, please contact your KSR branch or Gold Loan representative.

Why KSR Capital Services Ltd ?

When choosing a Gold Loan, understanding the process and applicable terms is important.
Transparent Information — Understand applicable rates, charges, eligibility and terms.
Customer Assistance — Connect with KSR representatives for your Gold Loan queries.
Branch Accessibility — Find and connect with your nearest KSR branch.
Digital Enquiry — Submit your enquiry online and connect with KSR through digital channels.
Use KSR's verified company information, branch network, regulatory information and approved statistics in this section rather than adding unverified claims.

Have Questions About Gold Loans?

Not sure about Gold Loan eligibility, valuation, documents, repayment or the application process? Ask a KSR Gold Loan Expert.

Ask a KSR Expert