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Gold Loan
Don't let your big problems weigh you down. We can help you lighten your financial needs with Vyaparavijayam Gold Loans. Enjoy rapid 30-minute approval, transparent per-gram valuation based on daily market rates, and safe 3-tier insured vault storage.
Interest Rate9.5% - 16.0% p.a.
Loan Amount₹5,000 - ₹25 L
Max Tenure24 Months
Pre-closure Fee0% Penalty
Key Benefits & Features
- Up to 75% RBI-approved Loan-to-Value (LTV) ratio
- Instant 30-minute approval & cash/bank transfer
- Zero hidden charges or pre-closure penalties
- Interest calculated on daily reducing balance
- Free insurance & 3-tier vault security for pledged ornaments
- Flexible bullet repayment or monthly interest options
Eligibility Criteria
- Any Indian citizen aged 18 years and above
- Must own gold jewelry or ornaments of 18k to 24k purity
- Valid Government ID proof (Aadhaar, PAN, Voter ID, or Passport)
- Proof of address in Kerala
Required Documents Checklist
1Aadhaar Card / Voter ID / Passport (Address Proof)
2PAN Card or Form 60
32 Passport size photographs
4Pledged ornament details (Assayed on-site by certified evaluators)
Calculate Repayments
Loan EMI & Interest Calculator
Instant repayment estimation with zero hidden fees
Frequently Asked Questions (Gold Loan)
How is my gold valued?
Pledged gold is appraised on-site by certified in-branch evaluators checking karat purity and net weight against daily market gold rates.
Is my gold safe with Vyaparavijayam?
Yes, pledged gold is stored in strong-room security vaults equipped with dual-custody access, CCTV, vibration sensors, and full insurance coverage.
Ready to Apply for Gold Loan?
Submit your contact details or visit our nearest branch in Thrissur or across Kerala for instant credit evaluation.