Estimated Gold Loan EMI
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Instant Gold-Backed Financing
Unlock immediate liquidity from your gold jewellery and ornaments. No income proof needed — get disbursement in under 30 minutes through Zygnet's trusted and transparent evaluation process.
Key Features:
- Up to 75% LTV on your gold's market value (as per RBI norms)
- No income proof or CIBIL score required
- Instant sanction and same-day fund disbursement
- Flexible repayment: bullet repayment or monthly EMI options
- Fully insured secure vault storage of your gold
- Zero prepayment penalty — repay anytime
Calculate Your EMI
Adjust the sliders below to check your affordability.
Estimated Monthly EMI
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At an interest rate of 12% p.a.
Current Interest Rates
| Scheme Name | Effective Rate (p.a.) | Tenure Concept | Amount Range |
|---|---|---|---|
| Gold Shakti (Short-Term) | 12% | 3 – 6 months | ₹10,000 – ₹2,00,000 |
| Gold Plus (Standard) | 14% | 6 – 12 months | ₹2,00,001 – ₹10,00,000 |
| Gold Premier | 16% | 12 – 36 months | ₹10,00,001 – ₹30,00,000 |
Frequently Asked Questions
Zygnet uses BIS-hallmark-aware assaying and real-time market gold rates (MCX) to calculate the purity-adjusted value of your jewellery. The process is done in-branch in under 15 minutes, fully transparent. You receive a written valuation slip.
As per RBI guidelines, NBFCs can lend up to 75% of the gold's market value. For ₹1 lakh worth of gold, you can receive up to ₹75,000 as a loan.
Yes, Zygnet allows early repayment and foreclosure with zero penalty at any point during the loan tenure.
Absolutely. All gold pledged with Zygnet is stored in secure, tamper-proof vaults with comprehensive insurance coverage and CCTV surveillance at all times.