Gold Loan
Your gold.
Possibilities unlocked.
Finance against your gold, when you need access to funds.
What it is
A gold loan lets you borrow against gold jewellery you own for short-term needs — without having to sell it. The gold acts as security for the loan.
Who it’s for
- 01Families with short-term needs
- 02Farmers and traders between cycles
- 03Anyone who prefers not to sell their gold
What it can help with
- 01Short-term family needs
- 02Seasonal farming or trading needs
- 03Education or medical expenses
- 04Bridging a gap between payments
How it works
The Viya process- 01
Enquire
- 02
Identity verification (KYC)
- 03
Your gold is inspected, weighed and tested
- 04
Ownership declaration
- 05
Valuation and the eligible amount
- 06
Terms explained — then you decide
- 07
Pledge documentation and secure custody
- 08
Disbursement
- 09
Repay, close and collect your gold
Steps are indicative. We will explain exactly what applies to your request.
Gold Release & Sale Assistance
Gold pledged elsewhere? Talk to us about release and sale assistance.
- 01Tell us about your pledged gold
- 02We verify the details and evidence
- 03We explain the assistance available
- 04Lawful release, following our approved process
- 05The released gold is verified and appraised
- 06You decide whether to sell
- 07A sale needs your separate, explicit authorisation
- 08You receive records of what was done
Subject to verification and applicable terms. Asking for release assistance does not authorise a sale — whether to sell is your own, separate decision, made only after the gold is lawfully released.
Ask about gold releaseWhat you may need
Documentation depends on the applicant, the gold and the financing requirement. Our team will explain what is required for your case.
Eligibility
Every request is looked at individually — your circumstances, the gold and what you need.
Check eligibilityHave gold you would rather not sell?
Let’s talk about what’s possible.
Prefer to talk?