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Gold Loan

Gold Loan

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YES BANK Gold Loan

Gold can always be counted on in times of financial volatility. No wonder, a lot of Indians choose to invest in gold, ensuring that their future is financially secure, in times of need. Taking a loan against one’s gold is one of the most lucrative options, whether it is for emergencies, to support your child’s education, or for other personal reasons.

YES BANK provides attractive interest rates and flexible repayment options on a gold loan, making gold asset the quickest source of availing instant cash.

Gold Loans Online

A convenient, hassle-free loan against your gold assets lying idle

Schedule Of Charges

YES BANK Gold Loan Branch Locator

features and benefits

Loan amount upto INR 50 Lakh

Loan amount ranging from INR 25,000 to 50 Lakh


Utmost safety of Gold

No Guarantor

No Guarantor/Co-borrower required

other benefits

View our hosts of other benefits

View our hosts of other benefits:

  • Flexible Repayment options

  • Quick loan processing

  • Short term loans available

  • Simple Documentation

  • Available against 18k-22k Gold ornaments 


what would you like to do next?

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Documents Required

For Individual Customers

  • 2 Passport size photographs

  • Proof of Identity

  • Address Proof

  • Signature Proof

Additional document for Sole Proprietorship Concern

  • Business Proof

Have any other query?

Q.How long does it take to process Gold Loan?

A.Gold loan is disbursed within One Hour. This is, however, subject to the loan amount, assessment of the gold jewellery and documents that you submit.


Q.Who can avail Yes Bank Gold Loan?

A.You can avail Gold Loan if you are an individual within the age group of 18 to 65 years


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What is a Savings Account?

- No income criteria: The gold gifted by your parents or spouse or self-purchased gold jewellery could be converted into instant cash without the requirement of being a salaried employee.

- Attractive interest rates: When you apply for a gold loan, you pick up the assured amount on a lower interest rate. This is because a gold loan is a secured loan, which means that your gold is kept safely by the bank and duly returned on full repayment of your loan. Thus, your gold enables you to redeem an instant loan at lower interest rates.

- One-time payment option: This feature is exclusive to gold loans, which allows you to pay the interest through the chosen tenure of repayment and pay the lump sum amount at the end of the tenure as a onetime payment. This removes the need to make monthly payments of the principal amount and interest.

- Lesser documentation, speedy disbursal: Documents required during the application and process of a gold loan, are minimal, enabling the application and disbursal of said loan against your gold a speedy process. The gold loan amount is disbursed within one hour, making a Gold Loan from YES BANK an instant loan!


Why to opt for a YES BANK gold loan?

We, at YES BANK, provide exclusive offers specific to Gold Loan. Here is a list of a few:

- Gold loan amount between INR 25,000 and INR 50 lakhs

- 100% safety of your gold

- No requirement of guarantor or co-borrower

- Flexible repayment options

- Swift processing of gold loan

- Loan repayment tenure ranging from 6 months to 3 years

- Loan offered against 18k to 22k gold assets


How to apply for a gold loan from YES BANK?

YES BANK strives for all-around customer satisfaction. To add to your convenience, we offer the following ways in which you can easily apply for a gold loan:

- Online Application: The simplest and most convenient way to apply for a loan is through our website. Visit the YES BANK website, go to the section offering online loans and read all the essential details, exclusive offers, required documents and other important information. Upload the duly filled application form and simply click on ‘Apply Now’. Our representative then will get in touch with you to process the gold loan.

- Visit our branch: Another approach is to visit your nearest YES BANK branch with the gold against which you require a loan, along with the essential documents. Our gold loan expert will assist you through the entire process while considering your convenience as a priority. It’s a hassle-free, quick procedure and you receive the approved amount within an hour of submission of the necessary documents.


Am I eligible for a YES BANK gold loan?

Here are the two pointers that make you eligible for a gold loan from YES BANK:

- Gold assets: The gold against which you apply for a loan at YES BANK should be under the applicant’s name. The purity of the gold item could range from 18 carats to 22 carats.

- Age: If you own gold and are between 18 and 65 years of age, you could apply for and avail a gold loan from YES BANK.


Which documents do I need during application?

Providing duly completed relevant documents is an essential aspect of the application process. Here are the documents that you need to keep handy while applying for a gold loan from YES BANK:

- Two recent passport size photographs

- Photocopies of proof of identity (with photograph): Driving license/PAN card, Form 60/61, Passport/Voter’s ID/Ration card/Aadhar card

- Proof of address: Driving License/Voter’s ID/Ration card/Aadhar card/Passport/registered lease agreement with utility bills in the name of the owner, not older than 3 months

- Proof of signature

- Priority Sector Loan documentation, if applicable

YES BANK provides you with a hassle-free, swift loan and values your sentiments while keeping your gold secure. Either apply for a gold loan online or visit the nearest YES BANK branch to find out more about our appealing gold loan interest rates. So, do not let your gold remain lying idle during financial requirements.

*No fees/charges will be refunded to customer if loan amount is not sanctioned /disbursed.


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