Gold Loan

Rates, features and eligibility

High per-gram value, flexible repayment, and fast, secure disbursal — explained to you at every step.

Today's Gold Rate

Live rate & loan calculator

Updated once a day from published Kerala gold rates. Your final valuation and loan amount are always confirmed in person at the branch.

Rate as of 14 September 2026

22 Karat Market Rate / Gram

₹14,170

Eligible Loan / Gram (65% LTV)

₹9,210

Source: goodreturns.in. Kerala gold rate (22 Karat). Indicative rate; excludes GST/TCS and other levies. Loan eligibility is always rounded down to the nearest rupee.

Estimate your loan amount

Weight of 22 Karat Gold (Grams)

Estimated Eligible Loan Amount

₹0

Why choose a KLP Finance gold loan

High Value Per Gram

Your gold is appraised transparently against live market rates by certified in-house staff, so you get the maximum loan amount you’re eligible for — with the calculation explained at every step.

Up to 70% of gold value · see today's live rate above

Low, Honest Interest Rates

Our interest rates are among the most competitive in Trivandrum, with absolutely no hidden processing fees or surprise charges added later.

insert current interest rate by scheme

Real, Local Customer Support

Monthly interest with principal settled at closure, structured EMIs, or bullet repayment at the end of your tenure. Foreclose or part-pay whenever you’re ready, without unnecessary penalties.

Minimal Documentation

No income proof. No credit score checks. No lengthy forms. Just a valid photo ID and address proof — because your gold is your collateral.

Fast, Same-Day Disbursal

From valuation to funds in hand — cash or bank transfer — most loans are completed within the hour.

Uncompromising Security

Every ornament is weighed, tested and sealed in a tamper-evident pouch in your presence, then stored in insured, CCTV-monitored vaults until you reclaim it.

FAQs

Frequently asked questions

Still unsure about something? Any branch will walk you through it in person — no obligation.

What documents do I need to take a gold loan at KLP Finance?

Just one government-issued photo ID (Aadhaar, Voter ID, PAN or Passport) and address proof. There’s no income proof, salary slip or credit score check required — the loan is secured entirely against your gold.

How is my gold loan amount calculated?

Our certified in-house appraisers assess the purity (karat) and weight of your gold in front of you, using the prevailing market rate for gold. Your eligible loan amount is calculated transparently on the spot, within RBI-permitted loan-to-value norms, so you know exactly how the number was reached — no guesswork, no hidden deductions.

Is my gold safe with KLP Finance?

Yes. Every ornament is weighed, tested and sealed in a tamper-evident pouch in your presence, then stored in insured, CCTV-monitored vaults at the branch. Your gold is only ever handled by verified branch staff and is returned to you the moment your loan is closed.

How quickly will I get the money?

For most customers, valuation and disbursal are completed the same day — often within the hour — once documentation and appraisal are complete. Funds can be paid by cash or direct bank transfer, whichever you prefer.

What repayment options are available?

We offer flexible schemes to suit different needs, including monthly interest payments with the principal settled at closure, EMI-based repayment, and bullet repayment where both interest and principal are paid together at the end of the tenure. Speak to your nearest branch about which option fits your situation best.

Can I repay my loan early or pay in part?

Yes. You can foreclose your loan or make part-payments at any time during the tenure. Ask your branch about applicable terms so you can plan your repayment with full clarity.

What happens if I'm unable to repay on time?

We understand that circumstances change, and our team will always try to work with you first — through reminders, renewal options or restructuring — before any other step is considered. Our goal is always to help you reclaim your gold, not to make that difficult.

What purity of gold do you accept?

We accept gold ornaments of 18 karat purity and above. Gold coins, bars and items with excessive stone-work may be assessed differently — our branch staff can confirm eligibility for any specific item during your visit.

Do I need to be present in person to pledge my gold?

Yes. For your security and ours, the gold owner must be physically present with valid ID at the time of pledging, so the valuation and agreement are conducted directly with you.

What if I lose my loan or pledge receipt?

Contact your branch immediately. We’ll verify your identity and loan details and guide you through the documented process for a duplicate receipt, so your gold remains fully protected throughout.

Not sure how much
your gold is worth?

Walk into any KLP Finance branch for a free,
no-obligation valuation — no pressure to proceed.