Gold loan

Gold loan Service By Arth Vipra Finvest Pvt Ltd

Gold is a valuable asset, and with it comes surety and stability, so why not let it work for you? Gold Loan is your definitive solution to meet your imperative financial needs.

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What Is A Gold Loan

Gold loan (also called loan against gold) is a secured loan taken by the borrower from a lender by pledging their gold articles (within a range of 18-24 carats) as collateral. The loan amount provided is a certain percentage of the gold, typically upto 80%, based on the current market value and quality of gold.

Gold loan is similar to personal loan in meeting your immediate financial requirements, be it an international education, marriage expenses, covering medical emergencies or any other personal use.


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Lucknow, Uttar Pradesh
Our Services are available in Lucknow , Uttar Pradesh and Surrounding areas.

Features & Benefits Of Gold Loan

Home Loan

Purchase your dream house with a home loan

Auto Loan

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Loan Against Property

Get loans sanctioned using your property

Loan Against Security

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Factor affecting Gold Loan

Consider the Factors Affecting the Price of Gold

One should take a note of various aspects that indirectly or directly affect the gold loan interest rates, viz.

  • Inflation
  • Global movements in Gold prices
  • Procurement of Gold by Government
  • Demand-Supply mismatch in the jewellery market

Tenure of Gold Loan- Gold loans are generally short term to medium term sources of finance. Based on the time frame, ensure that you repay it during the specified term and secure your gold back into your treasury

Understand the Valuation Method of Different Banks- Understand the valuation methods adopted by the lenders. Remember, none of the lenders will provide entire value of your gold as loan. It is necessary to note that the amount of money obtained from gold loan varies in different banks based on the margin amount.

Learn about the Repayment Terms and Conditions-Enquire properly before you finalise the gold loan lender! Again, the repayment policies and structure vary from lender to lender. Some of the banks allow payment at the end of the tenure, while some of them also allow repayment in terms of instalments or EMIs. Note that EMI will include the repayment of interest and principal amount during the loan tenure.

 Identify the Gold Loan Interest Rates- Consider the fact that interest rates on gold loans are higher than educational loans and home loans. Hence, you should evaluate the interest rates charged by different banks. Choose a suitable bank or money lender, after considering their repayment policy, tenure and the interest rates.


Gold loans are fast and easy, but, you must make sure that you pay the loan back or the gold would have to be surrendered. A preferable place to take a gold loan would be a gold loan company rather than a bank, as disbursement could be quick.


E-3/35, Vishesh Khand , Gomti Nagar, Lucknow, Uttar Pradesh 226010
15/90, Civil lines, Kanpur-208001

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We at , Arth Vipra Finvest Pvt Ltd suggest you the right product with our expertise.

Lucknow, Uttar Pradesh

E-3/35, Vishesh Khand , Gomti Nagar, Lucknow, Uttar Pradesh 226010
15/90, Civil lines, Kanpur-208001