Gold Loan
From Gold to Goals – Making Your Dreams Possible.
Dhanalakshmi’s Gold Loan is the ideal solution for raising short-term working capital or addressing urgent financial needs—quickly and effortlessly. With minimal documentation and no requirement for a strong credit history, you can access funds in just a few minutes at any of our growing network of branches across the country.
We offer some of the most competitive Loan-to-Value (LTV) ratios and attractive interest rates in the market, helping you unlock the hidden value of your idle gold for productive purposes.
At Dhanalakshmi, we believe in building lasting relationships, not just conducting business. Every customer is treated with humility, empathy, and warmth, reflecting our core values and unwavering commitment to empowering human ambition.
Choose from a wide range of gold loan products, designed to offer maximum value and flexibility—because your trust deserves nothing less.
Pre & Part Payment Options
Quick Loan Disbursal
Minimum Loan Amount of ₹ 2000 With No Max Limit
Minimal Documentation
Our Gold Schemes
DHAN ONE PLUS
Tenure - 365 days (One Year)
Exposure cap - 2,000/- to 75,000/-
LTV - 50%
ROI
| 0 - 31 DAYS | 12% |
| 0 - 60 DAYS | 16% |
| 0 - 90 DAYS | 20% |
| 0 - 180 DAYS | 24% |
| 0 - 365 DAYS | 27% |
DHAN DELIGHT (DD)
Tenure - 365 days (one year)
Exposure cap - 50,000/- to 99,000/-
LTV - 75%
ROI
| 0 - 31 DAYS | 15% |
| 0 - 60 DAYS | 18% |
| 0 - 90 DAYS | 21% |
| 0 - 180 DAYS | 24% |
| 0 - 365 DAYS | 27% |
DHAN ADVANTAGE
Tenure - 365 days (One Year)
Exposure cap - No Limit-
LTV - 75%
ROI
| 0 - 60 DAYS | 18% |
| 0 - 180 DAYS | 24% |
| 0 - 365 DAYS | 27% |
DHAN MAX
Tenure - 180 Days
Exposure cap - 2,000/- To 5,00,000/-
LTV - 75%
ROI
| 1 - 31 DAYS | 22% |
| 1 - 90 DAYS | 25% |
| 1 - 180 days | 28% |
DHAN MAX PLUS
Tenure - 180 Days
Exposure cap - 2,000/- To 5,00,000/-
LTV - 75%
ROI
| 1 - 31 DAYS | 24% |
| 1 - 90 DAYS | 26% |
| 1 - 180 days | 29% |
DHAN TO
Tenure - 365 Days (One Year)
Exposure cap - 50,000/- To No Limit
LTV - 75%
ROI
| 0 - 31 DAYS | 11.9% |
| 0 - 60 DAYS | 15% |
| 0 - 90 DAYS | 18% |
| 0 - 180 DAYS | 22% |
| 0 - 365 DAYS | 26% |
DHAN TO MAX
Tenure - 180 Days
Exposure cap - 50,000/- To 5,00,000/-
LTV - 75%
ROI
| 0 - 31 DAYS | 19.99% |
| 0 - 60 DAYS | 24.99% |
| 0 - 90 DAYS | 28% |
| 0 - 180 DAYS | 30% |
| ABOVE 180 DAYS | 33% |
DHANALAKSHYA
Tenure - 365 Days (One Year)
Exposure cap - 2,000/- To 1,00,000/-
LTV - 65%
| 0 - 31 DAYS | 17.99% |
| 0 - 60 DAYS | 21.99% |
| 0 - 90 DAYS | 25% |
| 0 - 180 DAYS | 28% |
| 0 - 365 DAYS | 30% |
| ABOVE 365 DAYS | 33% |
DHAN VALUE PLUS
Tenure - 180 Days
Exposure cap - 2,000/- To 1,50,000/-
LTV - 65%
ROI
| 0 - 31 DAYS | 19.99% |
| 0 - 60 DAYS | 24.99% |
| 0 - 90 DAYS | 28% |
| 0 - 180 DAYS | 30% |
| ABOVE 180 DAYS | 33% |
Gold Loan FAQs
Frequently asked questions about Gold Loan
Who is eligible to apply for a gold loan?
Any Indian resident above 18 years who owns gold jewellery can apply for a gold loan. Salaried individuals, self-employed professionals, farmers, and business owners are eligible.
What documents are required for a gold loan?
You need minimal documents such as:
Valid photo ID (Aadhaar, PAN, Voter ID, Passport)
Address proof
No income proof or credit score is required.
How much loan amount can I get against gold?
You can get up to 75% of the gold value based on RBI guidelines. The exact amount depends on gold purity, weight, and current market price.
What is the interest rate for a gold loan?
Gold loan interest rates are generally lower than personal loans because gold loans are secured. Rates vary based on tenure, loan amount, and repayment option chosen.
How is gold loan interest calculated?
Gold loan interest is calculated on the principal amount for the chosen tenure. Some lenders charge monthly interest, while others allow interest payment at loan closure.
What is the tenure of a gold loan?
Gold loan tenure usually ranges from 3 months to 36 months, depending on the scheme selected.
Are my gold ornaments safe with the lender?
Yes. Gold pledged for a loan is stored in high-security vaults with insurance coverage, CCTV monitoring, and strict safety protocols.
Can I repay my gold loan before the tenure ends?
Yes, most lenders allow pre-closure or part-payment without penalty. Early repayment can help reduce interest cost.
What happens if I fail to repay the gold loan?
If the loan is not repaid within the due date, the lender may auction the pledged gold after due notice as per RBI norms.
Can I get a gold loan with low CIBIL score?
Yes. Since gold loans are secured, CIBIL score is not mandatory, making them ideal for individuals with low or no credit history.
Gold Loan Calculator
Get instant, hassle-free estimates for your gold’s value with our easy-to-use online calculator.
Loan Summary
Loan Amount – ₹5000
Interest Payable – ₹0
Equated Monthly Installments (EMI)
₹0
Disclaimer:
The results generated by this calculator are for illustrative purposes only and are based on the information provided by you. Actual loan eligibility, interest rates, EMI amounts, and other terms may vary and are subject to the final approval and discretion of Dhanalakshmi, in accordance with its policies and applicable regulatory guidelines. Using this calculator does not constitute a loan offer or sanction. We recommend contacting our branch or representatives for precise and personalized loan information.
