Instant Gold Loan Overview
Nitstone Mahila Loan
- Exclusive to women customers.
- Offered at South India branches only.
- Loan Amount: ₹25,000 to ₹50,000.
- Highly discounted rate of 12% p.a.
Nitstone EMI Scheme
- Loan starting from ₹25,000.
- Tenure: 6, 12, 18, 24, 30, or 36 months.
- No penalty on prepayments.
- Attractive 21% rate of interest.
Nitstone 1% Loan
- Loan Amount: ₹25,000 to ₹50,000.
- Tenure: 12 months.
- Free insurance for pledged ornaments.
- Scheme with the lowest rate of interest (12%) if 100% interest is paid monthly.
Nitstone Premier Loan
- Loan starting from ₹1 Lac.
- Tenure: 12 months.
- Free insurance for pledged ornaments.
- Rate of interest is 23.5% with 3% rebate if 100% interest is paid monthly (30 Days).
Benefits & Features
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Flexible Repayment
- Bullet Scheme - pay only interest, monthly or quarterly
- EMI scheme – total amount divided into equal EMIs
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Quick Loan Disbursal
Quick loan processing at Nitstone Finserv branches. Find a Nitstone Finserv branch near you.
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Safe Storage
Only the world class security protocols being followed to ensure your property is in the safest of hands.
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Minimal Documentation
Documents required are very minimal, which ensure a quick and hassle free experience.
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Pre and Part Payment Options
There are times when you may have some extra cash in hand, you can then choose to pre-pay a part of your loan amount which would not only reduce your overall tenor/EMIs but also help you close your loan quickly.
Eligibility & Documents
Applications for gold loan are accepted from:
- Farmers, traders, salaried, self-employed professionals and businessmen
- Between, minimum 21 years to a maximum of 70 years of age - Self-employed professionals/non-professionals.
Document required for Gold Loan eligibility:
- Photo ID
- KYC proof
Ready to Apply
Apply NowHow to Apply
If you fulfill the Gold Loan eligibility, you are required to visit the nearest Nitstone Finserv branch to apply for a gold loan.
Fees & Charges
Sl. No | Type of Charges | Rate |
---|---|---|
1 | Service charges -Fresh loan- Rate applicable on loan amount | 1 % of Loan Amount |
2 | Security charges- Fresh loan | 0.15% of loan amount- Minimum Rs.50/- and Maximum Rs.600/- |
3 | SMS Charges | Rs. 2/- per transaction |
4 | Notice Charges | 3 ordinary notice Rs.10/each and 4th notice-Registered - Rs.70/- |
5 | Stamp duty levied by State Governments |
Actuals where ever applicable |