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.
Our Customised Gold Loan Schemes
One Rupee Interest Loan
Rs. 2,000/-
Rs. 1,00,000/-
270 days
12%-24%
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.
High Value Loan
Rs. 2,00,000/-
Rs. 20,00,000/-
270 days
11.99-23.99%
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
Super Express Loan
Rs. 2000/-
Rs. 2,00,000/-
270 days
16.50%-24%
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
Super Benefit Gold Loans
Rs. 25,000/-
Rs. 10,00,000
180 days
19%-22%
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
Gold Glitter Scheme
Rs.50000/-
No limit
180 days
22%-24%
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
HNI- High Value Gold Loans
10,00,000
No Limit
180
16%-22%
75%
Super Express Loan
Rs. 2000/-
Rs. 2,00,000/-
270 days
16.50%-24%
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
Shining Star Gold Loan
Rs.2000/-
Rs.2000000/-
270 days
17.5%-24%
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
Gold Rush Scheme
Rs. 2000/-
No Limit
270 days
19%-24%
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
Gold Loan Calculator
Find out how much loan amount you will receive against your gold jewelry.
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
₹ 4950
Gold to be pleged (in grams)
1
How To Apply
Visit nearest branch
Walk into our branch with Aadhar Card / PAN Card
Tender the gold ornaments
We will check your eligibility based on purity / value of gold
Receive money
Get loan value instantly, in cash or account credit
10 Reasons that prove LuLu Gold Loans
The best bet for your financial requirements, from a proven, reputed and trusted brand called LuLu.
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.
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.
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.
Easy documentation
To minimise delays and to speed up the process, we require you to submit only minimal documents.
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.
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.
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.
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.
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.
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
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.
Customer
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.
Customer
The easy loan process and quick disbursal of funds is the best part about LuLu Finserv.
Customer
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.
Customer
