Gold Loan We Provide Fast & Easy Loan Apply Now

Loan Amount

Gold Loan Speed Up the Loan Process

Loan Against Gold

Easy and secure funds. Get a loan against the gold you own, to meet your various financial needs easily. Swiftloans Gold Loan comes with a high loan limit of Rs. 20 lakh, at attractive interest rates, with flexible repayment options for added financial ease. We are one of the India’s finest gold financing company in terms of loan portfolio. As part of our core business, we provide personal and business loans secured by gold jewellery, or gold loans. We primarily cater to individuals who possess gold jewellery but cannot access formal credit within a reasonable time, or for whom credit may not be available at all. We help our customers meet unanticipated or other short-term liquidity requirements

Benefits and features of Swiftloans Gold loans:

  • * High loan value
  • * Accurate Evaluation
  • * World-class safety protocols
  • * Part-prepayment and Foreclosure Facility
  • * Flexible Payment Options
  • * Part Release Facility
  • * Interest rate 10% To 12% onwards
  • * Customised schemes to meet your requirements
  • * Loans starting from Rs.3,000
  • * Loan tenure up to 11 months

Documents required for Gold Loans:

  • 1. Two passport size photograph
  • 2. ID Proof such as Driving License / PAN Card / Form 60/61 / Passport Copy / Voter ID Card / Aadhaar Card / Ration Card. Any one document needs to be submitted
  • 3. Address Proof such as Driving License / Voter ID Card / Ration Card / Aadhaar Card / Passport Copy / registered lease agreement with not older than 3 months utility bills in the name of landlord (any one)

Fees & Charges


Amount to be paid

Loan Processing Charges

1% of disbursal amount

Valuation Fee

Rs 250 +applicable tax up to 1.5 lacs per packet per loan

Rs 575 +applicable tax above 1.5 lacs per packet per loan

Foreclosure charges

1% + applicable tax

Stamp Duty & other statutory charges

At Actual

Renewal Processing Fees

Rs 350 + applicable tax

Auction charge

As per actual

Prepayment charges

1% + applicable tax

Bounce charges

Rs 200 + GST

Legal and collection chages

At actuals

CIBIL Report copy charges

Rs 50

TOD charges (Overdraft)

18% p.a.

Default Interest/Penalty

2% additional levy over existing Rate of Interest from the date of maturity till loan account is regularized/closed.

Rates offered to customer during the period of April'22 to June'22*
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Product Group

Bank IRR








Annual Percentage Rate offered to customer during the period of April'22 to June'22*
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Note: GST and other Government taxes, levies etc. applicable as per prevailing rate will be charged over and above the Fees and Charges

All fixed rate loans up-to Rs 50 lacs, availed by Micro and Small Enterprises, will not be charged with foreclosure and Prepayment charges provided the same has been closed/part paid from own source of funds

NIL Processing Fees for loan facility up to Rs. 5 Lakh availed by Micro & Small Enterprises subject to submission of Udyam Registration Certificate before the disbursal

Loan at the sole discretion of HDFC Bank Ltd.
​​​​​​​*T&C- Loan Approval and ROI at the sole discretion of HDFC Bank Ltd

HDFC Bank Grievance Redressal Cell (Banking Products)


Monday to Saturday

1800 266 4060

9:30am to 5:30pm

This facility is not available on 2nd & 4th Saturdays, all Sunday and Bank Holidays.

For Quicksun Technologies Customer Grievances redressal, Call 93118 55301 from Monday to Saturday at 9:30 AM to 6:30 PM except all Sundays and Bank Holidays.

For City Wise Click Here Nodal Officers

Submit Your Complaint

If you know the regulator, please click on the link of the respective regulator to file your complaint

Category of activity

Concerned Regulator / Authority

Mutual Funds, Stock Brokers, Collective Investment Schemes (CIS)

Securities and Exchange Board of India SCORES (SEBI)

Housing Finance Companies

National Housing Bank(NHB) - GRIDS

Insurance Companies

Insurance Regulatory and Development Authority (IRDA)

Pension Schemes

Pension Fund Regulatory and Development Authority (PFRDA)

Non Banking Financial Companies

Reserve Bank of India (RBI)

Dont know the regulator ?  Click here


What is a gold loan scheme?
As the name suggests this is the loan given against gold. It’s a secured loan that enables borrowers to pledge their gold in lieu of a cash loan. It enables people to utilize their gold assets instead of storing them in lockers.
What is the eligibility criterion to qualify for a gold loan?
2 For a gold loan, applicants should be aged above 21 years and should have gold that needs to be mortgaged with the bank.
  • 1. Age – 21-65
  • 2. Document – Aadhar and pan card (Address proof must be between 50km)
What is the interest charge applicable on gold loan?
The interest rate on your gold loan varies from one lender to another. Please enter your details on our Gold Loan eligibility page and view gold loan offers offered by various banks and private institutions.
What is the maximum amount that can be sanctioned under the gold loan scheme?
The maximum loan amount loan varies from one lender to another. It can range between Rs. 1,5000 and Rs 1 Crore depending on the eligibility criteria of particular bank/Nbfc.
How long does it take to complete the gold loan approval process?
The loan approval process for gold loan is very fast. If your application meets all the requirements, it takes just 45Minutes for the loan amount to be disbursed.
What is the repayment tenure of a gold loan?
A gold loan can be repaid in as little as one day or as many as 36 part payment instalments, depending on your lender. regardless of whether the customer is Internal or External.
What are the additional fees that I will need to pay at the time of taking a loan?
A nominal processing fee is levied on your gold loan. The processing fee charged varies from one bank to another but generally does not exceed 1% of the loan amount.
Are there any foreclosure charges on a gold loan?
Loan foreclosure charges range from 1.18% (1% +18% gst)and are applicable on the outstanding amount of your gold loan.but, but if the customer closes his loan before 6 months, he is only obligated to pay the foreclosuer amount, whereas if the customer closes his loan after 6 months, there are no foreclosuer charges.
What is the penalty for delay in repayment of loan?
Banks usually levy an annual penalty between 1% and 2%. This is in addition to the rate of interest that you would be paying to service your loan.
Can I repay the loan partially?
A gold loan can be repaid partially at any point in time. However, your deposited gold will only be returned once the entire loan amount has been repaid.although, the customer repays the loan partially, which is especially advantageous for customer because customer is only obligated to pay the remaining amount of his interest amount of principal.
Is the gold pledged with banks safe?
Banks take a lot of precaution while storing your gold and keep it safe until the loan amount is returned. They understand the sentimental value attached to gold ornaments and act as custodians while the gold remains with them.


There’s no botheration of paperwork and income proof. A great way to get what you wanted. Swift Loans staffs are very kind and helpful. They processed the requests very quickly. I am really thankful to them.
Good customer handling by Swift loans. Interest rates and processing fees are also done at best in the market. Overall good experience. Thank you.
I'm satisfied with the Swift loans services and they have done a proper follow up and pro-actively they are calling the customer and informing the loan details.
A year back I took the Swift Loan gold loan as back then their loan rates were quite competitive in comparison to that offered by other banks. I got the loan within almost 1 hour on the same day.

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