The landscape
Gold loans are evolving into a compliance-first product. Borrowers require transparent processing, secure custody, and standardized disclosures, while regulatory guidelines require enhanced onboarding and verification.
Our answer
DJT Microfinance provides gold loans under a compliance-first framework. We perform enhanced verification including OVD-based KYC, unique customer identification, and ownership checks, combined with secure vaulting and a simplified process for instant credit.
Who it serves
- Individuals needing immediate liquidity for personal or agricultural needs
- Small business owners seeking fast working capital against family gold
- Borrowers seeking a safe alternative to high-interest informal local moneylenders
- Families seeking transparent appraisal and safe custody of their assets
How it works
Three steps. No surprises.
01
Onboarding & KYC
Provide officially valid documents to verify identity and address. We register a unique customer code and verify gold ownership.
02
Appraisal & Photo
We verify weight and purity (18K and above) in your presence, then store a photograph of the collateral safely.
03
Disclosures & Payout
Review the transparent Key Fact Statement (KFS). Receive your loan on the same day along with duplicate valuation certificates.
Eligibility
- Any Indian resident aged 18 to 70 years
- Ownership of gold ornaments/jewellery of 18 karat purity and above
- Officially Valid Documents (OVD) for ID and address proof
- Simplified access (no income proof) for loans up to ₹2.5 lakh
- Repayment capacity assessment (with income proof) for loans above ₹2.5 lakh
Indicative terms
- Collateral
- Gold ornaments of 18K and above
- LTV permitted
- Maximum 75% (as per RBI guidelines)
- Tenure
- 3 – 12 months
- Disbursal
- Same day (after KYC & appraisal)
Verify with your nearest branch for current rates and terms. Purity and weight are recorded during appraisal.
Gold Loan Portfolio Performance
Total Active Loans
413
Active customers: 349
Total Loan Amount
₹4,81,24,581
Disbursement: ₹4,77,15,393
Gold Amount (LTV)
₹5,16,05,561
Max LTV as per RBI guidelines
Avg. Interest Rate
19.86%
Transparent pricing model
Loan Status & Interest Breakup
Gold Collateral Weight & Purity
Frequently Asked Questions
Everything you need to know about our Gold Loan process and compliance guidelines.
Leverage Your Gold Responsibly
Visit our nearest branch or contact us online to start the quick, secure, and fully compliant gold loan application.
Apply for Gold Loan