gold loan - Bharat Lending Cart
  • 1800-572-0303
  • 1800-572-0303

Get Maximum Loan Value For Your Gold

A gold loan unlocks jewelry value for financial needs, offering competitive rates, flexible repayment, and secured, hassle-free solutions.

Get Instant Gold Loans In Minutes*

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Key Features of Bharat Lending Cart Gold Loan

Avail a gold loan for a period of 6 months to 12 months.

Loan amounts range from ₹50,000 to ₹2 crore with minimal documentation.

Trusted by thousands of customers, ensuring maximum safety and reliability.

How Can I Avail a Gold Loan?

Experience a seamless loan disbursement process with just four simple steps:

Step 1

Apply online on Bharat Lending Cart.

Step 2

Receive a callback for confirmation.

Step 3

Visit the branch for gold valuation.

Step 4

Instant disbursement of the loan amount.

Why Choose a Gold Loan?

Gold loans are a versatile financial tool for personal, business, or agricultural requirements. Here’s why they are ideal:

High loan-to-value (LTV) ratio, ensuring you get the most from your gold.

Flexible repayment options tailored to your financial capability.

No income proof or credit score required; the gold serves as secure collateral.

Gold Loan Benefits

Bharat Lending Cart gold loans offer numerous advantages, ensuring a smooth and stress-free process:

Minimal Documentation: Only basic ID and address proof required.

Quick Approvals and Disbursal: Get funds when you need them most.

Low Interest Rates: Affordable EMIs tailored to your budget.

Safe and Insured Gold: Your gold remains secure and fully insured with us.

Gold Loan Fees and Charges

Transparent fee structures ensure you know what you’re paying for:

Interest Rate:

0.99% onward per month 

(11.88%–27% per annum)

 varying based on loan amount and repayment frequency.

Processing Fee:

Starting from ₹0

depending on the scheme.

MTM Charges

₹500.00

(for market value adjustments).

Auction Charges

₹1500.00

(varies with loan amount).

Reviews

"The gold loan was a lifesaver during an emergency. The process was quick, and the interest rates were affordable!"
Anita Sharma
Anita Sharma
"Excellent service and transparency. I got my loan amount in minutes without any hassle."
Rajesh Kumar
Rajesh Kumar
"Thank you for the seamless process! My gold was safe, and the repayment terms were flexible."
Pooja Verma
Pooja Verma

FAQs

1. What is a gold loan, and how does it work?
A gold loan allows you to borrow funds by pledging your gold jewelry as collateral. You repay the loan amount with interest, and your gold is returned upon completion of repayment.
You can borrow between ₹50,000 and ₹2 crore based on the value of your gold.
Interest rates start from 0.99% per month, depending on the loan amount and repayment tenure.
Processing fees vary based on the scheme and start at ₹0.
Yes, your gold is stored in secure vaults and insured throughout the loan tenure.
The loan is disbursed instantly after valuation.
Yes, flexible prepayment options are available.
Basic ID proof and address proof are sufficient.
Your gold may be auctioned as per the terms, but all efforts will be made to help you repay before such steps are taken.
Yes, you can begin the process online and complete it at the branch for valuation.

Bharat Lending Cart is a leading non-deposit taking NBFC specializing in personal and business loans across India. Our streamlined online process ensures quick access to capital with minimal documentation and no need for collateral.

We aim to be your trusted partner in building a solid financial base for your personal aspirations, empowering you to reach your fullest potential.

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