Our Process
Unlock the potential of your gold assets with our hassle-free gold loan services.
we understand the value of your precious possessions and offer tailored solutions to meet your financial needs. Whether you're looking for quick funds to seize an opportunity or need assistance in times of unexpected expenses, our gold loan options provide a reliable and efficient way to access liquidity. With competitive interest rates, flexible repayment options, and a seamless application process, we strive to make borrowing against your gold jewelry or ornaments a convenient experience.
Trust us to safeguard your assets while providing you with the financial support you require. Discover the freedom of leveraging your gold holdings with ABFinance.
1
Initial Consultation
The gold loan process begins with a simple consultation. Borrowers meet with loan officers to discuss their financial needs and understand the terms and conditions of the loan. During this session, the gold valuation is conducted to determine the loan amount. Experts explain the interest rates, repayment schedules, and any additional benefits, ensuring transparency and clarity for the borrower.
2
Less Documentation
Gold loans are designed to be quick and hassle-free, requiring minimal paperwork. Borrowers only need to provide basic identification documents like Aadhar along with proof of address. This streamlined documentation process allows for quick approval and eliminates the need for lengthy formalities, making gold loans an ideal solution for urgent financial needs.
3
Takeover & Money Disbursement
Once the loan is approved, the pledged gold is securely taken over by the lender for safekeeping. The loan amount is disbursed almost immediately, either as cash, bank transfer, or cheque, depending on the borrower's preference. This swift disbursement process ensures that borrowers can address their financial needs without delay.
4
Gold in Locker
The pledged gold is stored securely in high-security lockers provided by the lender. These lockers are monitored 24/7 with advanced security systems, ensuring the safety of the borrower's assets. Borrowers can rest assured that their gold is fully insured and will be returned in its original condition once the loan is repaid. This added security gives peace of mind while borrowers focus on meeting their financial goals.
FAQ's
Frequently Asked Questions
During the initial consultation, the loan officer will assess your financial needs, explain the loan terms, and evaluate the gold you wish to pledge. This session helps you understand the loan amount you qualify for and the repayment options.
No, the initial consultation is usually free of charge. Fees, if any, are discussed transparently before processing the loan.
You need a valid government-issued ID (e.g., Aadhar, PAN, or voter ID) as proof of address. No income proof is required.
Yes, we provide comprehensive tax services, including tax planning, preparation, and filing. Our goal is to help you minimize your tax liabilities while ensuring full compliance with all regulations.
Yes, gold loans typically don’t require a credit score check, as the loan is secured by the pledged gold.
The loan amount is usually disbursed within a few hours after the gold evaluation and documentation are complete.
The loan amount can be disbursed in cash, via bank transfer, or through a cheque, depending on your preference.
Yes, your gold is stored securely in high-security lockers and is insured against theft or damage.
In case of non-repayment, the lender may auction the pledged gold to recover the loan amount. However, this process is communicated clearly, and sufficient time is given to the borrower before any action is taken.
Yes, the pledged gold is fully insured against theft, fire, or any unforeseen circumstances while in the lender's custody.
Start Your Journey with Us Today
Our proven process is designed to provide clarity, confidence, and peace of mind. Ready to take control of your financial future? Contact us today to schedule your initial consultation and discover how we can help you achieve your financial goals.
Join Us | 500+ clients globally!
