Exux Group · Gold Loan
Turn Your Idle Gold Into Instant, Affordable Liquidity
Loans against gold jewellery & coins. Disbursal in 30 minutes. Tenures up to 36 months.
Indian households hold one of the largest stocks of private gold in the world — yet most of it sits in lockers, contributing nothing to immediate financial needs. EXUX Group's Gold Loan unlocks that latent wealth at among the lowest interest rates in retail credit, with no income proof, no CIBIL gating and your jewellery returned the moment the loan is closed.
What it covers
A flexible facility for short-term, time-sensitive needs
Because the loan is fully secured by your pledged ornaments, lenders process it without income verification or credit-score gating — making it ideal for urgent, short-horizon requirements where speed matters more than tenure.
Key Advantages
Why borrowers choose Exux Group
Disbursal in 30 Minutes
Walk in with your gold and KYC — walk out with credit the same hour.
Among the Lowest Rates
Secured against physical gold — significantly cheaper than personal loans.
No Income Proof Needed
Approval based on the pledged gold's value, not your salary slips.
Insured & Secure Storage
Your ornaments are stored in tamper-evident packets in insured bank vaults.
Flexible Repayment
Choose EMI, bullet repayment, interest-only servicing or overdraft structures.
Renewal & Top-Up
Renew, top up or part-release ornaments as gold prices appreciate.
Plan with clarity
EMI calculator & rate benchmarks
EMI Calculator
Estimate your monthly outflow in seconds.
Monthly EMI
₹17,630
₹2,00,000
₹11,557
₹2,11,557
Indicative Rate Bands
Interest spreads across lender categories (% p.a.)
Rates depend on loan-to-value chosen, scheme and tenure. RBI caps LTV at 75% of gold value. Source: indicative market data.
Who is eligible?
Open to virtually any Indian resident — salaried, self-employed, homemaker, farmer or student — who owns eligible gold jewellery or specified bank coins.
- Age 18 – 75 years
- Indian resident with valid KYC
- Gold purity 18 – 24 carats
- Ornaments owned by the applicant
- Specified bank gold coins ≤ 50g (where accepted)
Documents Required
- Identity proof: Aadhaar, PAN, Passport, Voter ID or DL
- Address proof: Aadhaar, utility bill, ration card or rent agreement
- Two recent passport-sized photographs
- PAN Card mandatory for loans above ₹5 lakh
- Gold ornaments / specified coins for valuation
- No income proof or CIBIL score required
Curated Lender Network
Our Banking Partners
We compare offers across India's leading public sector banks, private banks and NBFCs — so you get the best rate, eligibility-fit and disbursal speed in one place.
Your gold can do more than just appreciate.
Walk into an Exux Group partner branch, get a transparent valuation in minutes and unlock liquidity without selling a single ornament.