Documents Required for A Gold Loan from eJOHRI
At eJOHRI we make it extremely easy for you to get a gold loan. For this, we’ve joined hands with many banks and NBFCs that offer attractive interest rates. We have a simple application process which can be completed in a few steps. Gold loan documents needed are minimal, our loan granting process is transparent and there are no hidden charges. After you submit the documents required for a gold loan, you can expect to receive the loan amount in just 1 – 2 hours after we complete the verification process.
For all these reasons, eJOHRI is the perfect platform to apply for a gold loan. Be assured that you can get the help you want in your time of need, no questions asked.
Gold loan document
The best thing about a gold loan is that you are not required to submit any proof of income like, salary certificates or income tax returns. You also don’t even have to have good CIBIL or credit score documents for a gold loan.
Most banks only need you to submit documents validating your identity and address proof. This means any citizen of India who is between 18 to 70 years of age (at the time of loan maturity) can apply for a gold loan. All you need to do is submit the proper documents.
If you want to know all the documents needed for a gold loan, just refer to our list below.
Gold Loan Document List
- Duly filled application form
- 2 Passport sized photographs
- For identity proof, you can submit the following IDs: Aadhaar Card/PAN Card/Voter’s ID/Passport Copy
- For address proof, you can submit the following IDs: Aadhaar Card/PAN Card/Utility Bill on the name of the applicant/Rent agreement of the applicant/Voter ID
- Agriculture Proof (only if applicable): Agriculture land ownership proof
eKYC documents for a gold loan
Online eKYC makes it easier to get a gold loan, and with minimal gold loan documents needed. We verify your Aadhaar Card with UIDAI, through an OTP that will come to your registered mobile number. Once your Aadhaar Card is authenticated, you don’t have to submit any other KYC documents. This process also saves you more time, since it pre-fills the online form with your Aadhaar details, automatically. Which means, your gold loan process is fast-tracked.
Frequently Asked Questions (FAQs)
Apart from the above-listed documents for a gold loan, if the borrower is illiterate, S/he needs to submit a signed witness letter, by a witness of their choosing.
The ornaments must be owned by the applicant or their family members. The applicant must also submit all the documents required for a gold loan.
No. All banks and NBFCs accept the same documents for identity and residence proof, as well as an Aadhaar Card for eKYC.
If you have submitted all the documents required for a gold loan properly then eJOHRI can help you get your funds in 2 hours or less.