Unlock value from your gold jewellery
Get same-day funds against your gold with fair valuation, transparent terms, and fully secured storage so you can borrow confidently when it matters most.
- Loan-to-value (LTV)
- High, as per RBI norms
- Disbursal time
- Same-day on most cases
- Repayment options
- Flexible EMI structures
Fully insured, vault-grade storage for pledged goldGold loan features
Designed for speed, safety, and clarity
Every gold loan is processed with transparent communication, clearly documented terms, and RBI-compliant practices so you always know how your loan works.
Transparent valuation- Your gold is weighed and valued in front of you using calibrated equipment and live reference rates, with clear documentation of loan value and charges.
- Secure, insured storage
- Pledged jewellery is stored in high-security vaults with insurance coverage, dual-control access, and detailed inventory records.
Flexible & compliant- Choose from flexible interest payment options and tenures, with documentation that aligns with RBI guidelines and internal credit policies.
Simple process
Get your gold loan in four clear steps
Our teams guide you through each step, from evaluating your jewellery to explaining repayment options, so there are no surprises later.
- 1
Gold valuation at our branch
Bring your gold jewellery to the nearest AFS branch for physical verification and valuation in your presence.
- 2
KYC & documentation
Complete KYC, submit required documents, and review your sanction letter with interest rate, tenure, and charges clearly explained.
- 3
Approval & disbursal
Once approved, your loan amount is disbursed quickly via bank transfer or other permitted modes, while your gold is securely stored.
- 4
Repayment & safe return
Repay as per schedule, and on closure your gold is released back to you with standard identification checks.
What to carry
Valid ID proof, address proof, and your gold jewellery. Our branch team will share the exact list based on your profile.
Built around your needs
A gold loan that fits your immediate and short-term goals
Whether you are managing medical expenses, business cash flow, or personal commitments, our gold loans are structured to support you without long-term lock-ins.
- Flexible amounts
- Borrow according to the value of your gold, with the ability to pre-close when convenient.
- Interest-first focus
- Options to service only interest during the tenure and repay principal at closure, subject to policy.
- No usage restrictions
- Use funds for eligible personal or business requirements, with responsible borrowing guidance from our team.
- Transparent charges
- All processing fees and charges are clearly shared upfront, without hidden costs.
Talk to our branch team
Ready to explore a gold loan with AFS?
Share a few details with us and our team will walk you through eligibility, estimated loan amount, and documentation required for your profile.