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Gold Loan in Pondicherry 2022

Apply for Gold loan in Pondicherry

Last Updated 24th Jan 2022

  • Gold loan interest rate in Pondicherry starts at 9.00%.
  • The LTV ratio for gold loans goes up to 75% of the value of the gold.
  • You can avail a gold loan in Pondicherry from top Banks like SBI, Axis Bank, Yes Bank, PNB and ICICI Bank among others.
  • Best Gold Loans in Pondicherry are offered by Muthoot and Manapurram.
  • Apply for Instant Gold Loan online in Pondicherry without income proof.
Apply for Gold Loan @ 9.00%* Get upto ₹ 500* Cashback

Gold Loan in Pondicherry

Gold loan is a popular credit facility in Pondicherry. There are many gold loan companies in Pondicherry that offer gold loans at affordable interest rates. The loan is availed by keeping the gold as mortgage to borrow a loan amount as per the LTV ratio of the gold which ranges up to 75% as per RBI Guidelines. Gold loan interest rate in Pondicherry begins from 9.00%.

Documents Required for Gold Loan in Pondicherry

Gold loans are the easiest to avail credit facility in Pondicherry. This is because the loan can be borrowed by people from all occupations and backgrounds. Therefore, the document check is also limited to identity and address proofs.

A list of documents required to avail a gold loan in Pondicherry are mentioned as follows:

  • Gold loan application form
  • Passport size photographs
  • Identity proofs such as Passport, voter ID card, PAN card and Aadhar card
  • Address proof such as passport, driving license, aadhar card, rent agreement, Voter iD card and utility bills such as water electricity, gas, or telephone bill

Top Banks Offers Jewel Loan in Pondicherry

Bank Interest Rate Loan Tenure Maximum Loan Amount
Axis Bank13.50%24 months₹ 20 Lakh
ICICI Bank10.00%12 months₹ 10 Lakh
Yes Bank9.99%36 months₹ 10 Lakh
SBI7.50%36 months₹ 50 Lakh
HDFC Bank9.00%24 months₹ 10 Lakh
Federal Bank8.50%12 months₹ 75 Lakh
Andhra Bank7.25%12 months₹ 2 Cr
Canara Bank7.35%12 months₹ 20 Lakh

About Pondicherry

A Union Territory which is a french colonial settlement in India. Pondicherry is famous for tree-lined streets, mustard-colored colonial villas and chic boutiques. The city displays great influence of cuisine, architecture and language. Population: 1,375,592

Reasons to Apply for Gold Loan

Gold loan for Special events

If you want to organise a special event for a family member or for yourself and want more money, then gold loan can be your option. Remember that you need to have a gold jewellery above 18 karat. You can take loan from any lender in Pondicherry at a lowest interest rate and processing fees.

Gold loan to Buy Two-Wheeler (New/Old)

Gold loan is available with HDFC Bank, Yes Bank and many other lenders in Pondicherry. These lenders offers loan to buy a two wheeler, for both new and old vehicle at a lower interest rate which can be repaid with flexible repayment option.


What is the interest rate for gold loan Pondicherry?

Gold loan interest rate in Pondicherry varies across various gold loan lenders. However, currently, the lowest gold loan interest rate in Pondicherry is 9.00%.

Which bank is best for gold loan Pondicherry?

Currently, Axis Bank offers the lowest gold loan interest rate in Pondicherry of 9.00%. In addition to that, Axis Bank offers the maximum loan amount on Axis Bank gold loan of ₹ 2 Cr and can be the best bank for high-value loan requirements.

What is the maximum tenure for gold loan in Pondicherry?

You can get a loan against gold in Pondicherry for a maximum tenure of 36 months. However, the gold loan tenure for every lender is different.

What is the procedure of getting a gold loan for defaulters in Pondicherry?

The procedure to avail a gold loan is easy when compared to other types of loan, even for defaulters. Lenders do not check your credit score because anyway in gold loan your gold is mortgaged. If you will not repay the loan then your gold will be kept by the bank.

Who can apply for a loan against gold in Pondicherry?

The eligibility criteria for a loan against gold in Pondicherry may vary for every lender. The general criteria is, you should be above 18 years and have gold jewellery above 18 karat.

Is it safe to take a gold loan from Muthoot Finance Pondicherry and what are the timings and contact number of Muthoot Finance Pondicherry?

Yes, it is safe to take a gold loan from Muthoot Finance Pondicherry because it has A+ rating from CRISIL. You can visit the nearest branch anytime between 9:30 am to 6 pm or contact at 1800-102-1616.

Is it possible to get an instant gold loan from Manappuram gold loan in Pondicherry?

Yes, you can take an instant gold loan from Manappuram. You can avail Manappuram gold loan with minimal documentation. Also, you get free insurance for your gold from this bank.

What are the best gold loan companies in Pondicherry?

Axis Bank, HDFC Bank are the best companies for gold loan in Pondicherry. These lenders offer loans at a lowest interest rate of 9.00% respectively.

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