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Gold loan repayment cycle is for 30 to 365 days.

Our simple 3-step gold loan

Augmont guarantees instant and hassle-free loan process.

Apply for Loan

Instantly apply for a gold loan through our simple one-click process.

Access Your Gold

Augmont's appraisers evaluate your gold using precise parameters and a scientific assessment tool.

Get the Loan

We will disburse your gold loan amount directly to your bank account and take custody of your gold.

Your Maximum Gold Loan Potential

Calculating your Gold Loan amount at AUGMONT is straightforward, ensuring you get the maximum value for your Gold , thanks to our Attractive Rate Per Gram (RPG). RPG depends on several factors, like the purity of the gold ornaments, rate of gold of a certain purity on that particular day, among others. The Gold you pledge for loan can be in any form of jewellery. The process is simple & below is an example

Example: Want To See How Much Loan You Can Avail? Imagine you have 20 grams of 22-carat gold. If the day's market rate gives you a high Rate of ₹ 10,000 per gram, the total appraised market value of your ornaments becomes ₹ 2,00,000. Since the Maximum Loan-to-Value (LTV) ratio is 75%, you are instantly eligible to borrow up to a significant ₹ 1,50,000 (75% of the total value) against your gold!

What you might need to pay extra?

SL No	Type of Charges	Rate of charges applicable
1	Rate of Interest	13.5% p.a to 24% p.a as per the applicable scheme
2	Processing Fees	Rs 0 onwards as per the applicable scheme
3	Penal Charges	Rs 0.25 for every Rs 1000 due per day
4	Top-up services charges	Processing fees from Rs 0 onwards as per the applicable scheme
5	Security charges - Fresh loan	NA
6	SMS charges	NA
7	Notice Charges	Rs 73
8	Online Bidding Charge	Rs 150
9	Auction Charges	Rs 5000
10	Token lost charges (Applicable for loans under all schemes)	NA
11	Safe Custody Charges	NA
12	Stamp duty levied by State Governments	Actuals wherever applicable
13	GCS	NA
14	GCL	NA
15	Loan @ Home charges	NA
16	CAC (Credit Appraisal Charges) - If total exposure > Rs.3 L	NA
17	Door to Door collection charges (Follow up for interest / loan recovery)	NA
18	Minimum APR (Annual Percentage Rate)	10.8% p.a
19	Maximum APR (Annual Percentage Rate)	36% p.a

What scheme will you get?

At Augmont, you can explore a wide range of Gold loan schemes and choose the one that suits you best.

This table details the gold loan schemes offered, categorized by the loan amount you are seeking:

Sr. No.	Loan Amount (₹)	Tenure (Months)	Interest
1	₹5K - ₹50K	12	20.04% - 24.76% p.a
2	₹50K - ₹2 Lakh	12	19.80% - 23.53% p.a
3	₹2 Lakh - ₹5 Lakh	12	17.88% - 22.98% p.a
4	₹5 Lakh - ₹25 Lakh	12	18.60% - 21.48% p.a

Note: Depending on the selected scheme, loan repayment occurs on either a half-yearly or annual basis, calculated from the loan start date.

Eligibility & Required Documents

To avail a Gold Loan against your jewellery, determine your financial requirement and check your eligibility. Augmont offers one of the best values for your gold when you meet the criteria below.

Check the table below for Augmont’s Gold Loan eligibility criteria:

Category	Details
Eligibility Criteria	Nationality: Indian. Age: 21 to 70 years. Gold Purity: 18 Karat - 22HM Karat
Mandatory Document	PAN Card / FORM 60, Aadhaar Card
Address/ID Proof (Any One)	Voter ID Card, Passport, Driving License, Bank Passbook, Utility Bill, Ration Card

Locate us

From Gold Loan application to disbursement, Augmont helps applicants get a loan without any hassle. You can easily apply for a Gold Loan by visiting any of our 100+ branches across India. Click here to “Find your nearest branch."

Why Augmont?

Low interest rates

Optimum rate for per gram gold

Keep Your Gold Secured In Vaults

Quick loan disbursal

Low interest rates
Augmont loan against Gold has one of the low simple interest rates in the market along with multiple Gold loan schemes.

Explore the benefits

Maximum Loan Amount

Get one of the highest loan rate per gram of your gold.

Ensure Utmost Safety

We securely store your gold in secured and safety vaults.

Hassle-free and Instant Loan

Get loans with minimal paperwork and utmost transparency, free from any hidden charges.

What our customers have to say

Transfer Loans

Easily transfer your loans from other banks to Augmont

Get Your Answers

How do I take a new gold loan from Augmont?

You have the option of taking out a new loan or transferring your existing gold loan to us. You can also raise the request by contacting our customer support team during working hours of 10:00 am to 7:00 pm, except on public holidays. Once we receive your request, our team will schedule an in-person meeting at your premises on the scheduled date and time. Our executive will then value the jewels in front of you and proceed with the formalities. Please note that the Chief Valuer will leave only once the loan amount is transferred to your bank account. If you want to shift an existing loan from your current gold loan company to Augmont, you just have to arrange the difference amount and we will help you with the rest of the formalities.

What are the different schemes available?

We provide the highest per gram rate, lowest interest rate and the longest tenure. You can contact us and we shall be glad to assist you at your doorstep.

What is the name of the financial institution that will sanction the gold loan and who are the co lending partners?

Gold Loan is provided by Finkurve Financial Services Limited. RBL Bank is our lending partner.

Gold Loan provided by Finkurve Financial Services Limited (RBI License no.: 13.00316)