2,80,000 people visited this section in last 30 daysApply Online

Get Voucher of Upto ₹ 500* on Gold Loan Apply Online

MyLoanCare Customer Ratings - 4.5/5.0 Apply Online

Gold Loan Documents Required

Gold Loan Document List to Avail Loan from Top Bank

Last Updated 21st May 2022

  • You can avail a gold loan without any income proof.
  • To avail a gold loan, you need to submit documents for identity and address proof.
  • You can provide a copy of the PAN Card/ Aadhaar Card/ Voter’s ID Card/ Passport Copy for identity proof
  • Rent agreement/ Passport/ Driving License/ Utility Bills/ Aadhaar Card/ Voter’s ID Card can be used as address proof.
  • Banks and financial institutions may also ask for gold jewellery certificates if you avail a gold loan.

Video: Gold Loan Benefits, Eligibility, Documents & Process

Apply for Gold Loan @ 9.00%* Get upto ₹ 500* Voucher

Documents Required to Get Gold Loan in 2022

To avail of a gold loan, you require minimum gold loan documents for identity and address proof. The list of documents needed for a gold loan from the banks or NBFCs are mentioned below:

  • Identity Proof
    • PAN Card
    • Aadhaar Card
    • Voter’s ID Card
    • Passport Copy
  • Address Proof
    • Rent agreement
    • Passport
    • Driving License
    • Utility Bills
    • Aadhar Card
    • Voter’s ID Card
  • Passport size photographs

Alternate Documents Required for Rent Agreement/Address Proof to Avail Gold Loan Easily

To avail gold loan easily, you can submit the following documents instead of rent agreement or address proof:-

  • Lease agreement for local address
  • Last 3 months utility bills (Gas/electricity/telephone)

How Can I Get a Gold Loan, if My Name is Incorrect or Incomplete in the Address Proof?

If your name or address is incorrect or incomplete on any of the documents which you are going to submit for a gold loan, you are required to get it corrected first.

  • Your identity proof and address proof should have same address
  • Name on both identity proof and address proof should also match
  • In case any information is incorrect or incomplete, you can get it rectified from the concern channels.

Why Should You Take a Loan Against Gold?

  • A gold loan is a secured loan that you can avail of by mortgaging your gold ornaments.
  • Unlike other loans, you can easily take a gold loan at low interest rates based on the value of gold and loan amount.
  • Banks and NBFCs provide gold loans without obligations of any income or salary proof with identity and address proof documents.
  • Besides that, you also do not need to have a good CIBIL or credit score for getting a gold loan.
  • It is easy to get a gold loan with minimal documents as it is a valuable asset, and banks can easily auction to clear dues in case of default payments on loans.


Do I need to provide any income documents for a gold loan?

No, you can avail of a gold loan without submitting any documents for income or salary proof. Both banks and non-banking financial institutions provide a gold loan with minimum documents for identity and address proof to people above 18 years irrespective of occupation.

Do I need to be an existing customer of the bank to avail a gold loan?

You do not need to be an existing customer of the bank to avail a gold loan. However, having a good existing relationship with the bank allows you to negotiate with the bank and get better gold borrowing terms such as lower rates and a better repayment schedule for your loan.

Can we take a gold loan without a receipt?

Yes, you can borrow against gold without any receipts for income or salary proof. However, to avail of a gold loan, you require minimum documents for identity and address proof.

Can I get a gold loan without bill?

Yes, there are chances that you can get a gold loan without a gold jewellery bill or invoice. However, if the jewellery is not a hallmark, then the lender can ask for a bill.

What are the SBI interest rate and documents required to avail gold loan from SBI?

SBI gold loan interest rate 2022 starts from 7.50% for maximum 36 months. To avail gold loan from SBI, the list of SBI gold loan documents required are identity proof and address proof.

Notification ×
  • Home Loan

    Home Loan at all-time low rates starting at 6.50%. Cashback of up to ₹ 1,000

    Apply Now
  • Personal Loan

    Instant Personal Loan starting at 10.25% with Cashback of up to ₹ 1,000.

    Check Offers
  • Gold Loan

    Instant Gold Loan starting at 9.00% with Cashback of up to ₹ 500

    Apply Now
  • Loan Against Property

    Best Loan Against Property Offers starting @ 6.90%. Cashback of up to ₹ 1,000*.

    Apply Now
  • Business Loan

    Collateral Free Business Loan Rates starting at 14.00% with Overdraft facility.

    Apply Now
  • Fixed Deposit

    AAA rated FDs with returns as high as 7.05%.

    Invest Now
Gold Loan News - May 2022
  • 2022-05-13 : PNB Revises Gold Loan Rates
    Punjab National Bank has increased the rates on gold loans, and as a result, the bank offers the lowest rates starting at 7.55%. Earlier, the rate was 7.25%.
  • 2022-05-13 : South Indian Bank Posts all-time High Net Profit in Q4
    The Bank has posted an all-time high net profit of ₹272 crores for Q4 in FY 22 against ₹6.79 crores during the corresponding period of the previous year.
  • 2022-05-13 : Ujjivan Small Finance Bank Profit Falls by 7% for Q4
    The bank has reported a 7 percent fall in its net profit to Rs 126.5 crore. Earlier, the bank had posted a net profit of Rs 136 crore in the same quarter of the preceding fiscal year 2020-21.
  • 2022-05-10 : Federal Bank Changes Interest Rates on Gold Loans
    Federal Bank has increased the gold loan interest rates, and thus you can now avail of loans starting at 7.39%
  • 2022-05-10 : Canara Bank Hikes Gold Loan Interest Rates
    The bank has increased the lowest gold loan rates by 40 basis points from 7.25% to 7.65%.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
Please wait while your information is being processed...