Quick Process With
Maximum Security

Gold Loans

LuLu Finserv, the financial arm of the trusted LuLu Brand, offers its customers Loan Against Gold on very attractive terms. Financial emergencies may happen anytime, and you need to gather cash urgently to tackle them. Gold Loan is one of the easiest and fastest methods of obtaining credit at very short notice and is ideal for all emergency financial requirements of customers, ranging from medical emergencies, educational needs of children, investment in a property or asset, meeting wedding expenses, buying a new vehicle or appliance, or your business' short & long-term capital needs.

We offer comprehensive gold loan schemes to cater to all income groups. We believe in inclusive business and there’s always a plan that’s just right for you.

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gold-loan
Gold loan products
Our Customised Gold Loan Schemes

One Rupee Interest Loan

Loan Amount
Minimum

Rs. 2,000/-

Maximum

Rs. 1,00,000/-

Loan Tenor

270 days

Rate of Interest

12%-24%

LTV

75%

Main Features and Advantages
  • Instant processing and disbursal
  • Your Gold is safe and secure in a LuLu Finserv locker
  • You can use the gold loan money for any personal purpose
  • Less documentation, No CIBIL score
  • No hidden charges
  • Ideal for meeting immediate expenses such as your children’s education, business expansion, working capital requirements, medical emergencies, etc.
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High Value Loan

Loan Amount
Minimum

Rs. 2,00,000/-

Maximum

Rs. 20,00,000/-

Loan Tenor

270 days

Rate of Interest

11.99-23.99%

LTV

60%

Main Features and Advantages
  • LuLu High Value Gold Loans are structured to give you financial independence and help meet your growth aspirations. Set up a new business or upgrade your business by acquiring fresh stocks availing our Business Gold Loans.
  • Make smart moves with LuLu Business Gold Loan. If you’re an entrepreneur who is keen on investing in a new venture but need financial support to get started, Gold Loans may be the fastest and easiest option.
  • Instant Processing and Disbursal
  • Payable in easy instalments
  • Minimum processing fee and less KYC procedures
  • Your gold is fully insured
  • Less documentation only, No CIBIL score
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Super Express Loan

Loan Amount
Minimum

Rs. 2000/-

Maximum

Rs. 2,00,000/-

Loan Tenor

270 days

Rate of Interest

16.50%-24%

LTV

70%

Main Features and Advantages
  • Interest applicable on diminishing principal basis and only for applicable number of days in reducing impact
  • You can use the gold loan money for any personal purpose
  • Less documentation only, No CIBIL score
  • Hassle-free application process
  • Bad credit history not an issue
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Super Benefit Gold Loans

Loan Amount
Minimum

Rs. 25,000/-

Maximum

Rs. 10,00,000

Loan Tenor

180 days

Rate of Interest

19%-22%

LTV

75%

Main Features and Advantages
  • Your gold is safe and secure in a LuLu Finserv locker
  • You can use the gold loan money for any personal purpose
  • Less documentation, No CIBIL score
  • No hidden charges
  • Hassle-free application process
  • Bad credit history not an issue
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Gold Glitter Scheme

Loan Amount
Minimum

Rs.50000/-

Maximum

No limit

Loan Tenor

180 days

Rate of Interest

22%-24%

LTV

75%

Main Features and Advantages
  • Gold Glitter Schemes are structured to meet your immediate requirements for meeting personal or business needs.
  • The needs can range from immediate medical expenditure, investment in a property or asset, your child’s education, meeting wedding expenses, buying a new vehicle or appliance, or your business’ short & long-term capital needs.
  • Get maximum value for your gold
  • Interest calculated on Daily Diminishing Balance
  • Very simple documentation and KYC procedures
  • Loans repayable in lumpsum. Facility for periodical interest servicing. Lower rates if periodical interest serviced promptly
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HNI- High Value Gold Loans

Loan Amount
Minimum

10,00,000

Maximum

No Limit

Loan Tenor

180

Rate of Interest

16%-22%

LTV

75%

Main Features and Advantages
  • Simple Documentation.
  • Low Interest Rate
  • Maximum LTV
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Super Express Loan

Loan Amount
Minimum

Rs. 2000/-

Maximum

Rs. 2,00,000/-

Loan Tenor

270 days

Rate of Interest

16.50%-24%

LTV

70%

Main Features and Advantages
  • Interest applicable on diminishing principal basis and only for applicable number of days in reducing impact
  • You can use the gold loan money for any personal purpose
  • Less documentation only, No CIBIL score
  • Hassle-free application process
  • Bad credit history not an issue
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Shining Star Gold Loan

Loan Amount
Minimum

Rs.2000/-

Maximum

Rs.2000000/-

Loan Tenor

270 days

Rate of Interest

17.5%-24%

LTV

75%

Main Features and Advantages
  • Shining Star Gold Loans are structured to meet your immediate requirements for meeting personal or business needs.
  • The needs can range from immediate medical expenditure, investment in a property or asset, your child’s education, meeting wedding expenses, buying a new vehicle or appliance, or your business’ short & long-term capital needs.
  • Get maximum value for your gold
  • Interest calculated on Daily Diminishing Balance
  • Very simple documentation and KYC procedures
  • Loans repayable in lumpsum. Facility for periodical interest servicing. Lower rates if periodical interest serviced promptly
Enquire Now

Gold Rush Scheme

Loan Amount
Minimum

Rs. 2000/-

Maximum

No Limit

Loan Tenor

270 days

Rate of Interest

19%-24%

LTV

75%

Main Features and Advantages
  • Interest applicable on diminishing principal basis and only for applicable number of days in reducing impact
  • You can use the gold loan money for any personal purpose
  • Less documentation only, No CIBIL score
  • Hassle-free application process
  • Bad credit history not an issue
Enquire Now
Get to know more about
Gold Loan

    Gold Loan Calculator

    Find out how much loan amount you will receive against your gold jewelry.

    OR

    Note:

    • This is based on 22 carat gold value
    • Interest rates for 100% LTV scheme (75% of your gold value)
    Loan Details

    Your Loan Amount

    4581

    Gold to be pleged (in grams)

    1

    lulu

    How To Apply

    1
    Visit nearest branch

    Walk into our branch with Aadhar Card / PAN Card

    2
    Tender the gold ornaments

    We will check your eligibility based on purity / value of gold

    3
    Receive money

    Get loan value instantly, in cash or account credit

    lulu
    10 Reasons that prove LuLu Gold Loans

    The best bet for your financial requirements, from a proven, reputed and trusted brand called LuLu.

    Reason 01

    Hassle-free application process

    Availing gold loan from LuLu Finserv is super easy. Just walk into your nearest LuLu Finserv branch with your jewellery and get maximum value for your gold. Our smart staff sitting at the counters will help you receive the loan amount with minimal documentation, the shortest processing time and low interest rates. Customer satisfaction is our motto. You can apply through our website within minutes and submit the details from the comfort of your home.

    Reason 02

    Lowest interest rates

    We offer gold loan with low interest rates that are highly competitive. With minimum documentation and a quick KYC procedure, you can get your loan approved with LuLu Finserv at gold interest rates starting from 7% p.a.

    Reason 03

    No Hidden Charges

    Gold loans in general are better than personal loans as they do not levy prepayment charges and incur minimal or no processing fee. So, you won’t have to pay hidden charges to avail the benefits of gold finance from us. Transparency is our hallmark.

    Reason 04

    Easy documentation

    To minimise delays and to speed up the process, we require you to submit only minimal documents.

    Reason 05

    Quick Disbursal

    Gold Loans are processed as soon as the quality of the loan is verified and you get the amount disbursed in cash or through your bank account, instantly, on successful verification. The process does not require you to wait for days, giving you quick access to cash whenever you need it.

    Reason 06

    Tailor made repayment plans

    Our Gold loan products have flexible repayment options. Customers can choose to pay in regular monthly instalments through EMI schemes. With seamless instalments, you can repay slowly, and become debt free after the loan tenure. You also have the option to repay only the interest portion throughout the tenure and repay the balance principal upon tenure completion, as a bullet payment.

    Reason 07

    Maximum value for your gold

    Now borrowers can avail more loan amounts on your pledged gold ornaments, with a Loanto-value (LTV) as high as 75%. Thus, not only is your gold put to use, but you are also leveraging the full potential of the commodity. Leverage your gold holdings and check how much loan you can get by using our gold loan interest calculator to get the interest quote, and apply now.

    Reason 08

    Guaranteed safety for your gold

    We value the safety of your precious jewellery. Your gold will be valued, sealed and documented in your presence and moved into vaults in our strong rooms. Our borrowers need not worry about the gold they pledge as collateral with us. The borrowers can rest assured that their precious gold is entrusted in safe hands by opting for a gold loan from us. We ensure the safety of your gold, and in the case of theft, we are liable to make full payment for your losses, as the securities are fully insured.

    Reason 09

    Credit Score not necessary

    Unlike other loan products, credit score plays a less important role in gold loans. As you submit your gold as collateral, you need not provide additional documents to avail the loan. So, if you currently have a poor credit score, it does not prevent you from availing a Gold Loan from us. Your Cibil Score plays no role in getting a gold loan for you.

    Reason 10

    Easy Takeover from other Banks and NBFCs / Specialised schemes for Women

    We facilitate taking over of existing gold loans from other Banks and NBFCs at unparalleled additional funding and lower interest rates. We have customised and special schemes for women borrowers, business class and for educational needs.

    Testimonials

    What our customers says

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    Transparency and the right financial assistance are the key factors for me in choosing LuLu Finserv. The branch staff rightly helps you choose the right scheme based on your financial requirements.

    George Facister Image
    George Facister

    Customer

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    LuLu Finserv is one of the best customer-centric and service-oriented NBFCs in the region, and I would recommend that everyone confidently avail of their services.

    Lekhakumari Image
    Lekhakumari

    Customer

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    The easy loan process and quick disbursal of funds is the best part about LuLu Finserv.

    Nithin P.P Image
    Nithin P.P

    Customer

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    I am happy to say that LuLu Finserv has been a great support during any urgent financial need. The genuine customer service and choice of lending schemes make it the right place for all.

    Rajesh P Image
    Rajesh P

    Customer