Featured Scheme Dhanlaxmi Fixed Deposit: 9.5% p.a. (6 Month Tenure, Member Special)
Financial Assistance Against Gold

Gold Loan Services

Unlock immediate liquidity from your gold ornaments with safe custody, transparent evaluation, and member-focused service.

Gold Loan Assistance Banner Gold Credit Facility Overview

Gold Loan Assistance

Jai Vaibhav Laxmi Multistate Co-operative Credit Society Ltd. provides Gold Loans as a reliable credit facility designed to help members meet immediate personal, agricultural, or business financial requirements without liquidating long-term assets.

Your gold ornaments are evaluated transparently by certified appraisers and kept securely in high-security vaults until complete repayment.

Why Consider a Gold Loan?

Safe Vault Custody

Your pledged gold ornaments are stored safely under bank vault custody and protection.

Transparent Evaluation

Weight and karat evaluation are conducted transparently in your presence at our branch office.

Minimal Paperwork

Hassle-free application process requiring basic KYC documents and member application.

Personalized Member Service

Our branch team provides dedicated guidance to select appropriate repayment terms.

Application & Enquiry Process

  • Step 1: Visit Head Office — Visit our Pune office with your gold ornaments and KYC documents.
  • Step 2: Gold Appraisal — Our valuer conducts net weight and purity evaluation.
  • Step 3: Documentation — Complete short member agreement form.
  • Step 4: Loan Disbursal — Receive credit approval and disbursal as per society terms.

Required Information & Documents

Members applying for a Gold Loan should carry:

  • Valid Identity Proof (Aadhaar Card / Voter ID / Passport)
  • PAN Card copy
  • Recent Passport Size Photographs
  • Proof of Residence (Electricity Bill / Ration Card)
  • Society Membership Form

Frequently Asked Questions

What items can be pledged for a Gold Loan? +
Gold ornaments and jewellery of 18K to 24K purity can be pledged, subject to appraisal at our branch.
How is gold purity evaluated? +
Evaluation is conducted by a certified appraiser using standard non-destructive weight and purity testing methods.
Where are pledged gold ornaments stored? +
Pledged gold ornaments are sealed and kept in secure bank vault storage until loan clearance.

Need Gold Loan Assistance?

Visit our Pune head office or contact our team for assistance.

Enquire About Gold Loan Gold Calculator
Gold loan approval, valuation, interest rate, and tenure are subject to society policies and member terms.