Gold loans for North India
Your gold,working for you— not locked away.
Check how much your jewellery can get you, apply in 60 seconds, and let us match you with an RBI-regulated lender. Hindi or English — your choice.
- RBI-regulated partner
- Gold stored in insured vaults
- Transparent valuation
Today's gold rate
Updated 26 Sept- 24K
- ₹11,500/ gram
- 22K
- ₹10,542/ gram
Get up to 85% of your gold's value
- Max loan-to-value as per RBI norms
- 85%
- Gold purity accepted
- 18–24K
- Languages — Hindi & English
- 2
- To apply online
- 60s
Gold loan calculator
How much can your gold get you?
Move the slider to your jewellery's approximate weight. We use today's rate and RBI loan-to-value limits.
You could get up to ₹1,79,208
LTV 85%
- Estimated gold value
- ₹2,10,833
- Approx. monthly interestat an example rate of 12% p.a.
- ₹1,792
Indicative estimate only. The final amount depends on the lender's valuation of stones, wear and actual purity at the branch.
How it works
Money in your account in 4 simple steps
- 1
Apply online
Share your name, city and approximate gold weight. It takes under a minute.
- 2
Get a callback
Our advisor calls you in Hindi or English and explains the best offer for you.
- 3
Visit the branch
Take your gold and KYC documents to the lender branch nearest you for valuation.
- 4
Receive funds
Once verified, the lender transfers the money directly to your bank account.
Why CredGold
Built on trust, the way it should be
RBI-regulated lending
Loans are sanctioned by our RBI-regulated NBFC partner — never by unknown moneylenders.
Your gold stays safe
Jewellery is sealed in your presence and stored in the lender's insured, high-security vaults.
Transparent valuation
See the rate, purity and loan-to-value before you decide. No surprises later.
Help in your language
Speak to a real advisor in Hindi or English — from application to disbursal.
Flexible repayment
Choose repayment options that suit your cash flow, as offered by the lender.
Track anytime
Use your application ID and phone number to see your status online, 24×7.
Our lending partner
Loans by HDB Financial Services
Your gold loan is sanctioned and disbursed by HDB Financial Services Ltd., an RBI-registered NBFC. CredGold helps you apply, compare and complete the process smoothly.
Loan approval, rates and terms are at the sole discretion of the lender.
HDB Financial Services
RBI-registered NBFC
Where we serve
Across North India
- Delhi
- Noida
- Gurugram
- Ghaziabad
- Faridabad
- Lucknow
- Kanpur
- Agra
- Varanasi
- Prayagraj
- Meerut
- Jaipur
- Chandigarh
- Ludhiana
- Amritsar
- Dehradun
FAQs
Questions, answered
Is CredGold a lender?
No. CredGold is a loan facilitation platform. Your loan is sanctioned and disbursed by our RBI-regulated lending partner, HDB Financial Services Ltd.
How much loan can I get on my gold?
As per RBI norms, you can get up to 85% of your gold's value for loans up to ₹2.5 lakh, 80% for ₹2.5–5 lakh and 75% above ₹5 lakh. Use our calculator for an estimate.
Which documents do I need?
Usually an Aadhaar card, PAN card and a recent photograph. The lender may ask for additional documents based on its policy.
Is my gold safe?
Yes. Your jewellery is weighed and sealed in front of you and stored in the lender's insured, high-security vault until you repay the loan.
What purity of gold is accepted?
Jewellery between 18 and 24 carats is generally accepted. Stones and non-gold parts are not counted in the value.
How do I track my application?
After applying, you get an application ID. Enter it with your phone number on the Track page to see your latest status.
Your gold can do more for you today
Apply in 60 seconds. Our advisor will call you back with the best offer.