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Summary: To apply for a gold loan in India in 2025, you typically need a filled application form, one identity proof, one address proof, and for loans above ₹20,000, a bank statement or passbook. For loans over ₹5 lakh, a PAN card is usually mandatory. As per the latest RBI guidelines, proof of income may now be required to assess repayment capacity.
If you are looking to access some quick cash, a gold loan can be a fantastic option. But before you start, make sure you have all the documents required for a gold loan in place.
In this post, we will break down the must-have documents for a gold loan application in India so you can get the funds you need without the fuss.
Basic Documents Required for Gold Loan Approval
Applying for a gold loan is easier than you think. To get started, you just need to provide a few simple documents. Here is your quick checklist.
Application Form
The first step in applying for a gold loan is to fill out the application form. This requires you to:
- Fill in all the details
- Double-check for accuracy
- Sign and date it
Proof of Identity
When applying for a gold loan with a reputable NBFC, such as Manappuram Finance Limited, you will need to provide one or more of the following gold loan documents:
- Aadhaar card
- Driving licence
- Voter ID card
- Passport
Proof of Residence
To confirm where you live, you will also have to share one document as residential proof. This could be your Aadhaar card, passport, or driving licence.
Additional Documents Required for Gold Loan
Bank Statement
Lenders registered with the RBI, such as Manappuram Finance Limited, may also ask you to provide your bank passbook. This document helps lenders understand your financial situation, link your bank account with them, and deposit the loan amount directly into your account.
However, this document is only required if you are taking a loan that is above a certain threshold limit, for example, of around ₹20,000 or more.
PAN Card
Another important document required for a gold loan is your PAN (Permanent Account Number) card. Your PAN card helps lenders verify your identity and ensures that you are following all the necessary tax laws.
It is important to note that this gold loan document is typically mandatory for loans exceeding ₹5 lakhs.
Additional Information for Gold Loan Applicants
Loan Amount
No matter how big or small your needs are, gold loan providers, such as Manappuram Finance Limited, have got you covered. You can borrow as little as ₹3,000 or asapp from much as ₹1.5 crore.
In case you want a loan of more than ₹1.5 crore, you will have to get special approval from management and provide additional documents.
app fromOur staff at the nearest branch will give you the lowdown on exactly what gold loan documents you will need and walk you through the steps.
Application Process
Getting a gold loan is a breeze. You can do it from the comfort of your home or by visiting a branch, whatever works best for you.
To apply online, open Manappuram Finance Limited’s official website or mobile app from Google Play and App Store, fill out the application form, upload gold loan required documents and complete the application process online.
If you wish to apply offline, go to one of the Manappuram Finance Limited’s branches and reach out to a customer representative and he will guide you through the process.
Pledging Your Gold
To complete your application, you will have to visit Manappuram Finance Limited’s nearest branch with your gold jewellery or coins.
Our team will review the gold assets to determine their value. Then, you will have to hand them over as collateral for the loan. It is a quick and easy process.
Once the valuation and verification process is complete, the lender will disburse the loan amount.
Conclusion
So, you are all set to unlock the value of your gold. To make that happen, you will need to gather gold loan required documents, including your identity proof, address proof and KYC documents.
Plus, you will need to bring your gold jewellery or ornaments to the lender and they will take care of the rest, assessing the value of your gold to determine how much you can borrow.
Just remember that different lenders might have slightly different gold loan required documents, so it is always a good idea to check in with them directly.