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Instant Gold Loan

A gold loan or a loan against gold is a secured loan which customers can avail from Nitstone Finserv in lieu of gold ornaments like gold jewellery. It is the easiest way to fulfil your financial needs and proves to be a sensible alternative to availing loans from banking channels.

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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

Flexible Repayment

- Bullet Scheme - pay only interest, monthly or quarterly
- EMI scheme – total amount divided into equal EMIs

Quick Loan Disbursal

Quick loan processing at Nitstone Finserv branches. Find a Nitstone Finserv branch near you.

Safe Storage

Only the world class security protocols being followed to ensure your property is in the safest of hands.

Minimal Documentation

Documents required are very minimal, which ensure a quick and hassle free experience.

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

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How 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
Actuals where ever applicable