Gold Loan Without PAN Card

Instant approval & get cash in minutes across India

Top Gold Loan Apps & Platforms

To get a quick gold loan without PAN card, you can use these apps and online platforms:

Download these apps for fast approval and minimal documentation gold loans.

What is a Gold Loan?

A gold loan is a type of secured loan where you pledge your gold ornaments or coins as collateral to the lender in exchange for instant cash.

Benefits include:

Eligibility Criteria

  • Indian citizen aged 18+ years
  • Gold jewelry/coins with clear ownership
  • Bank account for loan disbursal
  • Some lenders waive PAN for loan under ₹2 lakh
  • Good credit history helps for faster approval

Documents Required

  • ID proof (Aadhaar, Voter ID, Passport)
  • Address proof (Aadhaar, Utility bill)
  • Photo of pledged gold
  • Loan application form
  • PAN card optional for small loans

Loan Amounts & Interest Rates

LenderLoan AmountInterest RateProcessing Time
Muthoot Finance₹10,000–₹50,00,00011%–18% p.a.Minutes
Manappuram₹10,000–₹40,00,00012%–19% p.a.Minutes
HDFC₹50,000–₹30,00,00010%–16% p.a.1 hour
ICICI₹50,000–₹25,00,00011%–17% p.a.1–2 hours
Axis Bank₹20,000–₹20,00,00010.5%–15% p.a.30 min–1 hr
SBI₹50,000–₹25,00,00010%–14% p.a.1 hour

Advantages of Gold Loans Without PAN

Tips for Instant Approval

FAQs About Gold Loans

Q1: Can I get a gold loan without PAN card?

Yes, many lenders allow gold loans under ₹2 lakh without PAN.

Q2: How fast can I get cash?

Instant gold loans can be disbursed within minutes after approval.

Q3: What is the maximum loan against gold?

Depends on purity and weight; generally 70–90% of gold value.

Q4: Is online application safe?

Official bank/NBFC apps and websites are secure.

Q5: Can I repay early?

Yes, early repayment is allowed with minimal charges.

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Disclaimer

All information provided here is for educational purposes. Actual gold loan approval depends on lender policies. All Finance Store is not responsible for financial decisions based on this information. Terms & conditions apply as per respective lenders.