The ornament is the security
Gold jewellery you own is pledged. The lender’s valuation, purity check, and release process are theirs.
Home Gold Loan
Liquidity against gold, placed with the right lender.
A loan against gold jewellery you already own. The ornament is pledged for the tenor of the facility. VAP Money prepares the file and coordinates it with banks and NBFCs.
Overview
A gold loan, matched to the ornament.
Borrowers who can offer gold as security use this facility when they want the metal to stand as collateral. The lender values the jewellery, holds it for the tenor, and releases it when the loan is closed on their terms.
A shorter secured route
Where the metal can stand as collateral, lenders often complete a gold loan with fewer income papers than an unsecured personal loan. The checklist is still theirs.
The decision stays with the lender
Amount, interest, fees, and tenure follow the valuation and the lender’s scheme. VAP Money coordinates that application.
Features and benefits
What the arrangement is meant to do.
Lenders that value gold
The same jewellery can be discussed with banks and NBFCs that fund loans against gold.
Ownership before the pledge
KYC and proof that the ornament is yours are lined up before the valuation appointment.
Plain language on release
We explain valuation, what stays pledged, and how the ornament is released when the lender closes the loan.
Repayment on the lender’s terms
Interest, bullet repayment, or EMI follows the sanction letter. We do not quote a rate until a lender has assessed the gold.
Eligibility and documents
What lenders usually ask to see.
These are the checks banks and NBFCs commonly apply to a gold loan. The final criteria, including purity and the advance against value, are theirs.
Eligibility
- Gold jewellery you own and can pledge.
- KYC that matches the person offering the ornament.
- Gold the lender’s valuer accepts for purity and weight.
- A repayment plan within the scheme that lender offers.
Documents
- KYC: PAN, and Aadhaar, passport, driving licence, or voter ID.
- The gold jewellery to be pledged, at the lender’s branch or valuer.
- A photograph and any purchase proof the lender asks for.
- Address proof if it is separate from KYC.
How to apply
Three steps from enquiry to the lender’s desk.
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01
Requirement
Share your name, mobile number, and what the loan is for. Use the form on this page.
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02
Papers
We tell you which KYC, income, and banking documents the matched lenders expect.
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03
Decision
The bank or NBFC verifies the file and decides sanction, rate, fees, and when funds are released.
Enquiry now
Tell us the gold loan you need.
Submit the form and the enquiry is emailed to info@vapmoney.com. You can also call +91 98110 52842 or write to info@vapmoney.com.