Suvarna Dhara Gold loan
Har Business Ke Liye,
Gold loan Hai Taiyaar!
1 Cr.+
Happy Customers
3000+
Branches Nationwide
₹3,000/-
Minimum Loan Amount
Up to 85%
Maximum Value of Gold
RBI Regulated NBFC
- Customer rating,
1 Lac+ Reviews
Pledged gold is secured & insured
Zero Hidden Charges
30+ Years of Trust
Suvarna Dhara Gold Loan – Unlock the Power of Your Gold
In business, timing is everything — and so is liquidity. Whether you’re an MSME preparing for a festive rush or simply need financial breathing room ,
IIFL Finance’s Suvarna Dhara Gold Loan
provides quick access to capital
without compromising safety.
A gold-backed loan designed for your needs, giving you the freedom to borrow funds and enjoy complete peace of mind with
insured and securely stored gold.
Empower your next move — apply for Suvarna Dhara Gold Loan today!
What is Suvarna Dhara Gold Loan?
Suvarna Dhara Gold Loan
is a term loan backed by gold, designed to provide
MSMEs and individuals with hassle-free financial support.
Who is it meant for?
-
MSMEs
seeking working capital for growth or seasonal demands
-
Individuals
who value secure, insured storage for their gold
-
Customers
looking for 24x7 surveillance and nominal maintenance charges
With
IIFL Finance’s trusted gold valuation and secure vaults,
your gold stays safe while your business keeps moving.
Features of Suvarna Dhara Gold Loan
Suvarna Dhara Gold Loan
combines flexibility, affordability, and trust:
-
Loan Amount :
Borrow from ₹1 lakh up to ₹50 lakh, based on your gold’s value
-
Hassle-Free Renewals :
Renew your loan easily via the
IIFL Loans App
-
High Security :
Gold remains fully insured and protected in IIFL Finance’s
secured vaults
-
Attractive Interest Rates:
Up to ₹2 lakh - 18% p.a.
₹2-₹5 lakh - 15% p.a.
Above ₹5 lakh - 13.2% p.a.
Suvarna Dhara Gold Loan - Fee & Charges
| Charge Type | Details | Description |
|---|---|---|
| Processing Fee | 0.1% of the eligible loan amount | One-time fee during loan tenure; no recurring charges for top-ups |
| Gold Maintenance Charge | ₹ 5/day or ₹ 10/day (as per scheme, excluding GST) |
Charged for safekeeping and maintenance; waived if outstanding > ₹1,000 |
| Penal Charges | 6% p.a. on dues outstanding (excluding GST) |
Applicable only in case of delayed payments |
(All rates and fees are subject to applicable terms and conditions.)
Benefits of Suvarna Dhara Gold Loan
Flexible gold-backed loans up to ₹50 lakh
Quick disbursal and convenient repayment options
Lower interest rates for higher loan amounts
Safe storage with insurance and 24x7 surveillance
Perfect for MSMEs managing seasonal or working capital requirements
Why Choose Suvarna Dhara Gold Loan?
Suvarna Dhara Gold Loan
blends
flexibility, affordability, and security
for a smarter borrowing experience:
Cost-Effective Borrowing
Interest rates as low as 13.2% p.a., more affordable than traditional working capital loans
High Security for Your Gold
Vault-grade safety with insurance and surveillance at nominal rates
No Repeated Documentation
One-time documentation for the loan tenure
Trusted by Millions
Backed by
IIFL Finance’s legacy of trust, transparency, and customer-first service
With
Suvarna Dhara Gold Loan,
your gold doesn’t sit idle — it works for you.
Experience a smarter way to borrow :
quick access, complete transparency, and total security, all from
India’s most trusted name in gold-backed finance.
No liquidity stress. Just pure, flexible financial freedom.
Gold Loan Interest Calculator
- Choose Number of Jewellery
Select items and enter each jewellery weight and purity to compute total eligible loan.
- Set ROI & Frequency
Adjust annual interest rate and select interest payment frequency for instant estimates.
- Review Payable Amounts
See monthly interest, total interest payable, and total repayment in real time.
This is an indicative estimate, not a loan offer. Your final amount is set after we check your gold at the branch.
Important information
- This calculator gives an indicative estimate only. It is not a loan offer, approval or sanction.
- The final loan amount depends on the net weight and purity of your gold as assessed at the branch, after deducting stones, wax and other non-gold parts, and on our credit policy.
- Gold rates shown are indicative. For loan purposes, gold is valued as per RBI guidelines, at the lower of the previous day's closing price and the 30-day average closing price for 22 carat gold. This may differ from the rate shown.
- Loan-to-value (LTV) limits follow RBI guidelines: up to 85% for loans up to ₹2.5 lakh, up to 80% for loans above ₹2.5 lakh and up to ₹5 lakh, and up to 75% for loans above ₹5 lakh. For loans repaid in one go at the end (bullet repayment), LTV is calculated on the total amount due at maturity, including interest.
- The interest rate shown is for illustration. Your actual rate depends on the scheme, loan amount and tenure. Interest is shown as simple interest. Processing fees, GST and other charges are extra, as per our schedule of charges.
- If the loan is not repaid on time, penal charges may apply and the pledged gold may be auctioned after due notice, as per the loan agreement.
IIFL Finance Limited is registered with the Reserve Bank of India as a non-banking financial company. For complaints, see our grievance redressal policy.
Suvarna Dhara Gold Loan Amount & Valuation (Loan starting will be 1Lac)
You can get a loan against gold starting from Rs 3000 onwards. The Gold Loan amount depends on the gold valuation, based on the purity of the pledged gold (assumed to be 22 Karat). Its market value is calculated by taking the 30-day average gold rate of 22 Karat gold. First, experts assess the quality. Then, the Gold Loan amount is determined according to the RBI’s guidelines which is up to 75%.
Suvarna Dhara Gold Loan Eligibility & Documentation
Getting a Gold Loan from IIFL Finance is simple and hassle-free. Any Indian resident aged 18 years or above with gold jewellery can apply. The process requires only basic KYC documents such as Aadhaar and PAN, no income proof or credit score needed, ensuring quick approval and easy disbursal.
Suvarna Dhara Gold Loan Eligibility: Who Can Apply
Explore the eligibility criteria to apply for a Gold Loan with IIFL Finance.
You must be between 18 and 70 years of age at the time of loan disbursement.
Applicants can be salaried, no salaried, self-employed, or non-salaried individuals.
You must own the gold you are pledging.
Only gold jewellery is eligible as collateral; gold coins and bars are not accepted for pledge.
Gold purity must be between 18 and 22 karats.
Valid KYC documents include the Aadhaar card and PAN card.
Suvarna Dhara Documents Required for Gold Loan
A gold loan borrower must submit one of the following document as part of the Reserve Bank of India’s “Know Your Customer” (KYC) norms:
Aadhaar Card
Valid Passport
PAN Card
Valid Driving Licence
Voter ID Card
Safety and Security of Your Gold
At IIFL Finance, the safety and security of your pledged gold is the highest priority. From the moment a professional agent collects your gold at your doorstep, stringent security protocols are followed to ensure complete protection. Each item is carefully verified, weighed, and documented to maintain transparency and accuracy before it leaves your home.
During transportation to IIFL’s trusted branches or high-security vaults, the gold is moved under secure, monitored, and insured logistics, minimizing any risk of loss or damage. Upon reaching the vaults, your gold is stored in highly secure and fully insured facilities, monitored round the clock with advanced surveillance systems and strict access controls.
Customers can rest assured that their gold is safeguarded at every stage, collection, transit, storage, and return. The insurance coverage further adds an extra layer of protection, ensuring peace of mind. IIFL Finance’s processes are designed to combine convenience with uncompromised safety, so you can access funds through a gold loan confidently, knowing your valuable assets are always secure.
Insurance Coverage of Your Gold
When you pledge your gold with IIFL Finance, its safety becomes our top priority. We know your gold holds emotional as well as financial value, so we make sure it stays fully insured throughout the loan tenure, right from the time it’s deposited until it’s returned to you.
Here’s what our comprehensive insurance coverage includes:
Protection against theft, loss, or damage during transit or while in our custody.
Coverage for natural calamities such as fire, floods, or earthquakes.
Insurance handled through trusted and reputed providers, following strict industry standards and regulatory guidelines.
In the unlikely event of loss or damage, customers can file a claim based on:
The recorded weight and purity of the pledged gold.
Reimbursement or replacement calculated at current market rates as per official gold price publications.
Please note:
The insurance policy is usually held in the lender’s name, though customers may need to support the claim process if required.
In case of a borrower’s death, the lawful heirs can redeem the pledged gold after settling any pending loan dues through a verified and secure process.
With IIFL Finance, you can be confident that your gold is in safe hands, backed by robust insurance protection and complete transparency at every step.
What Happens If You Default?
A default on a gold loan happens when you miss or delay your payments, or fail to pay any other dues such as interest or fees by the scheduled dates. It may also include breach of loan terms, providing incorrect information, or not maintaining the required security margin.
A default on a gold loan happens when you miss or delay your payments, or fail to pay any other dues such as interest or fees by the scheduled dates. It may also include breach of loan terms, providing incorrect information, or not maintaining the required security margin.
-
Reminders and Grace Period
You’ll first receive gentle reminders via calls, messages, or emails, along with a short grace period to help you make your payments.
-
Formal Notice
If the dues remain unpaid, a formal notice is issued, providing a clear 10-business-day window before any further action.
-
Auction Process (if needed)
As a last resort, the pledged gold may be auctioned in accordance with Reserve Bank of India (RBI) guidelines. The sale proceeds are used to clear outstanding dues, and any remaining balance is refunded to you.
To help you avoid such outcomes, IIFL Finance offers options like:
Loan restructuring or tenure extensions, subject to approval.
Guidance on repayment plans to help you get back on track.
Keep in mind that defaulting can affect your credit score and may impact your ability to get loans in the future. We always encourage timely repayments to maintain a healthy credit record and ensure continued access to financial support when you need it most.
Things to Consider Before Taking a Suvarna Dhara Gold Loan
Eligibility Criteria:
Eligibility is the first consideration - most lenders, including IIFL Finance, require borrowers to be Indian residents aged 18 years or above with valid KYC documents like Aadhaar and PAN. No income proof is typically required, making gold loans accessible to a wide range of borrowers.
Gold Purity and Weight:
Next, consider the purity and weight of your gold. Gold loans are approved based on the 30-day average gold rate, which depends on karat purity and total weight. Ensuring that your gold is in good condition helps you maximize the loan amount.
LTV Ratio:
Loan-to-Value (LTV) ratio is another critical aspect. This determines the maximum percentage of your gold’s value that can be sanctioned as a loan. Higher LTV ratios allow you to access more funds while ensuring you understand the repayment obligations.
Documentation:
Minimal KYC documents are usually needed, but it’s important to verify that all papers are correct and complete to avoid delays. Understanding these factors helps you make informed decisions and ensures a safe, convenient, and transparent gold loan experience.
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