Need funds urgently but want to avoid lengthy paperwork or branch visits? With Paytm’s digital gold loan service, you can apply online in just a few clicks—enjoying fast approvals, flexible loan amounts, and access to trusted lending partners. Whether it’s for a personal emergency, education, or business needs, a gold loan via Paytm offers convenience, security, and peace of mind.
A gold loan—also known as a loan against gold—allows you to borrow money by pledging your gold jewellery or coins as collateral. The loan amount you receive is based on the current market value of your gold. These loans are typically short-term and are processed much faster than traditional loans, making them ideal for urgent requirements.
Your pledged gold remains safe with the lender and is returned once you fully repay the principal and interest. Both banks and NBFCs (Non-Banking Financial Companies) offer gold loans and must follow guidelines set by the Reserve Bank of India (RBI). According to RBI norms, you can get a loan of up to 90% of the gold’s value.
Apply online through Paytm today and experience a secure, hassle-free borrowing process.
Paytm Gold Loan Online Apply Step by Step
Here’s a simplified view of the Paytm gold loan application process:
- Open the Paytm App
- Tap on All Services and go to the Loan section
- Select Gold Loan
- Fill in the required details: loan amount, gold purity (in carat), PAN number, and email ID
- Submit the form and proceed
- A partner representative will connect with you for further steps and gold evaluation at your location
This is how you apply gold loan on Paytm in just a few minutes from your smartphone
Benefits and Features – Why Choose Paytm Gold Loan?
- 100% Paperless Start: Begin your loan journey digitally
- Quick Processing: Application to doorstep service within hours
- Trusted Partners: Loans backed by reputed NBFCs and banks
- Paytm Gold Loan Without Paperwork: No physical paperwork required to start
- No Credit Score Requirement: Your gold is the only security needed
These features make Paytm an ideal choice for those looking for gold loan apply in India.
Paytm Gold Loan Interest Rate
The minimum age requirement is 18 years, while the maximum age is 75 years. However, your golden items must match the purity of 18KT or above to qualify for the loan.
The Paytm gold loan interest rate depends on the lender and factors like the weight and purity of your gold. Rates are competitive and calculated on a reducing balance basis, ensuring lower interest over time. The rate is shared with you upfront before you commit. The interest rate depends on the lender and various other factors like gold purity, gold form etc. However, interest rates may vary between 11.99% to 29% per annum.
Documents Needed for Gold Loan on Paytm
While you can start the loan process without documents, here’s what you’ll eventually need:
The specific documents required for gold loan may vary among lenders, but generally, the following documents are commonly requested:
Identity Proof: Aadhar card, Passport, Voter ID, Driving license
Address Proof: Aadhar card, Passport, Utility bills (electricity, water, gas) in the borrower’s name, Rental agreement
Photographs: Passport-sized photographs of the borrower
Proof of Ownership of Gold: Invoice or bill of purchase, if available, Receipts related to the gold ornaments
With minimal documentation, Paytm gold loan without paperwork becomes a reality for first-time borrowers too.
From Paytm gold loan online apply step by step guidance to real-time offers and doorstep services, Paytm simplifies your gold loan journey like never before. It’s secure, transparent, and designed for today’s digital lifestyle. Whether you’re comparing Paytm gold loan offers or looking for minimal documentation, this platform checks all the right boxes.
If you’re planning to apply for a gold loan online, choose Paytm for a fast, smart, and secure experience.
Can I apply for a gold loan on Paytm without visiting a branch?
What is the minimum and maximum loan amount I can get through Paytm Gold Loan?
What documents are needed to get a gold loan on Paytm?
- Identity Proof: Aadhar card, Passport, Voter ID, Driving license,
- Address Proof: Aadhar card, Passport, Utility bills (electricity, water, gas) in the borrower's name, Rental agreement
- Photographs: Passport-sized photographs of the borrower
- Proof of Ownership of Gold: Invoice or bill of purchase, if available, Receipts related to the gold ornaments