Chola Gold Loan
Where Gold Empowers New Beginnings.
An Auspicious Start, Backed by Legacy and Care
At Chola, we understand that gold is more than a valuable possession; it carries traditions, memories, security, and holds the potential to unlock new possibilities. That’s why our Chola Gold Loan services are built on trust, speed, and enduring reliability.
With over 47 years of financial expertise, Cholamandalam has been a dependable partner for millions across India. And now, with our growing network of Chola Gold Loan branches, we’re bringing that legacy of trust even closer to you.
Whether you’re planning to start a new business, managing unexpected expenses, or fulfilling personal dreams, Chola Gold Loan is here to support you.
Our Gold loan starts from as low as ₹5,000, making it accessible to everyone. The maximum loan amount is based on the value of up to 1 kg of gold (subject to valuation and scheme eligibility), with quick disbursement, attractive interest rates, minimal documentation, and flexible repayment options.
If you’re searching for the best gold loan near you, visit your nearest Chola Gold Loan branch and experience the assurance of a brand that puts people first.
At Chola, we offer more than just the best gold loans - we provide reassurance when you need it most, a connection that feels like family, and support to help you rise, rebuild, and move forward with dignity.
Because when you place your trust in us, we make it our responsibility to help you move forward with commitment, care, and confidence.
Key Highlights
- Higher loan eligibility with Interest-Only option
- Loans starting from ₹5,000
- Quick processing and disbursal
- Safe & secure gold storage
Features & Benefits
Wide Loan Range
Balance Transfer
Easy Renewal & Part Release
Quick Processing
Convenient Tenure
Easy Renewal & Part Release
Gold Safety Assurance
Quick Financial Support
You can apply for a Chola Gold Loan if you meet the following criteria.
- Indian individual — no co-borrower required
- Aged between 21 and 75 years
- Own gold jewellery or coins of 18 karats or above
- Meet internal credit and verification requirements
- Within serviceable pin code distance from branch
- Loans above ₹2.5L: repayment capability assessment
Gold Requirements
What Gold Do We Accept?
Accepted
- Gold ornaments — necklaces, bangles, earrings, chains (18K+)
- Gold coins up to 50g aggregate per borrower
- Wax bangles up to 25% net weight (max 30g gross)
- Sikh / Punjabi Kada up to 100g (18K+)
- Bengal Bangles (Pola, Shanka, Noa) — under 3g net
Not Accepted
- Gold biscuits, bars, bullion
- Diamonds, platinum, white gold, rose gold
- Gold statues, vessels, spoons, crowns
- Rajasthani Kundan sets, Baju bands
- Broken items or ornaments with >50% stone weight
- ETFs or mutual funds backed by gold/silver
Methodology of Determining the LTV Ratio
Documents Required for Chola Gold Loan
Pan Card (Mandatory)
Identity Proof (Any one):
- Aadhaar Card
- Passport
- Driving License
- Voter ID
Address Proof (Any one):
- Passport
- Driving License
- Proof of possession of the Aadhaar number
- Voter’s identity card issued by the Election Commission of India
- Job card issued by NREGA duly signed by an officer of the State Government
- Letter issued by the National Population Register containing details of name and address
