A Fresh Approach to Gold Loans

UNIGOLD FINANCE LTD

UNIGOLD Finance is a consumer finance registered NBFC, founded and backed by ultra-high net worth individuals and family offices. The NBFC focuses on providing easy gold loans to the customers and develop a personal touchpoint through an offline sourcing model. We aim to become one of the top and most trusted financing partners for all segments of society. We believe that through a hassle-free loan process, operational efficiency, and customer delight we can achieve our target in a very short period. Professionals with rich experience have been entrusted with our business to help us advance as the leader in gold financing. Our organization is built on the premise that employees should be given leadership opportunities regardless of the role they play. For a consumer finance company, especially a specialized gold NBFC like us, the most valuable resource is our employees.

GET YOUR GOLD LOAN IN 3 SIMPLE STEPS

Talk To Our Official

Talk to our gold loan official and get complete guidance and consultance on the entire procedure of buying the gold loan.

Simple Documentation

No hassle for documents physical copies requried. Just mail them over to us and we will handle the rest.

Ready To Go

Now with the discussion with the official done and the documentation complete, your Gold Loan is ready!

OUR MISSION

At Unigold finance, our mission is to be the most trusted and preferred lender in the gold loan industry by offering secure, transparent, and customer-centric financial solutions. We empower individuals with quick and hassle-free access to funds while ensuring the highest standards of integrity, fairness, and reliability. Through innovative technology, competitive interest rates, and exceptional service, we strive to meet the diverse financial needs of our customers, helping them achieve their goals with confidence and convenience. Your trust is our greatest asset, and we are committed to safeguarding it with every transaction.

OUR VISION

To be the #1 and most valued Gold Finance Company in India, recognized for excellence, trust, and innovation in the gold loan industry. We aspire to set new benchmarks in customer satisfaction, transparency, and ethical lending practices while expanding our reach to serve every corner of the nation. By leveraging advanced technology, competitive offerings, and unwavering commitment to our customers, we aim to redefine gold financing—making it faster, safer, and more accessible for all. Our vision is not just to lead the market, but to become a symbol of financial empowerment and reliability for millions of Indians.

FAQs

General Queries

Loan Related Queries

Payment Related Queries

What are the benefits of gold loan?

Loan against gold is the easiest and the simplest way to fulfill your financial needs. Gold loans offers the following benefits:
1. Simple documentation
2. Fast loan disbursal
3. Customer oriented
4. In-house gold evaluation
5. No penalty on pre-payment

Eligibility to avail Gold loan?

Any Indian citizen above the age of 21 years is eligible to avail a loan. All they are required to do is to provide the required documents along with the gold ornaments.

What is the tenure of Gold loan?

The tenure of a gold loan is dependent on the schemes availed. However, the minimum tenure is 7 days.

Does availing Gold loan require a guarantor?

There is no requirement of any guarantor. The only security that is needed is the gold.

Can I avail loan against any ornament?

You can pledge any type of Gold ornaments. However, the valuation will be done only of Gold and not of the stones.

What are the different options available for repayment?

We offer two options to our customers for repayment:
A. Bullet payment: Here you can make the principal and interest payment at once and release your gold.
B. EMI: You can avail gold loan on monthly repayment basis depending on the gold loan scheme you opt for.

How can I repay the loan amount

You can repay loan at any of our Gold loan branches through cash and cheque. You can also repay your EMI through our online web facility.

Is partial repayment of gold loan allowed?

The payment of loan and interest depends on the scheme you have selected. However, to make it convenient for our customers we do accept partial repayment. But do remember, you will get your pledged gold ornaments only after full repayment of principal and interest.

How can I avail gold loan from Unigold finance?

You can walk into any of our branch with your gold ornaments/jewellery. Depending on the weight of that jewellery and the assessment of the valuer you will be sanctioned a particular loan amount.

How much gold loan can I get?

You are eligible to get upto 75% LTV on your gold ornaments/jewellery depending on the purity.

Do I need any income proof to avail gold loan?

No. You do not need any income proof to avail gold loan. Only your Aadhar card and pan card is required.

In how much time is the gold loan disbursed?

Once the gold ornament/jewellery is satisfactorily assessed by the appraiser/valuer, it take around 15 minutes to disburse the loan.

How is a gold loan calculated?

The gold loan is calculated based on the quality of the pledged gold and its market value in the domestic physical market.

Do I need to have a good CIBIL Score to avail Gold loan?

No Credit/Score is needed to avail a Gold loan from our Company.

Avail Your Gold Loan Now!