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I would like to avail gold loan


  • Unique triple layered security for your gold
  • Quick sanction and disbursal
  • Easy documentation
  • Part Payment Facility
  • Varieties of Schemes to choose from
  • NEFT & RTGS Facility
  • Over Draft Facility


Documents required

  • Identity Proof  
  • Address proof 

All about our GOLD LOAN scheme

Scheme Name Base ROI Interest Rest (Days) Default Interest rate
(If customer not Paid interest on due date)
RPG Principal Tenure (months)
UNI 1 14.40% 30 26.40% 75.00% 12
ORS 12.00% 30 24.00% 75.00% 12
UNI 2 16.80% 90 24.80% 75.00% 12
UNI 3 18.00% 90 20.00% 75.00% 12
UNI 4 24.00% 60 24.00% 75.00% 12
UNI 5 22.00% 30 22.00% 75.00% 6
UNI 6 18.00% 90 24.00% 75.00% 6
UNI 7 24.00% 360 24.00% 60.00% 12
UNI 8 21.00% 180 21.00% 70.00% 6
UNI 9 21.00% 180 21.00% 75.00% 6
UNI EB1 17.00% 90 23.00% 75.00% 12
EMI Scheme(12) 14.00% 30 NA 75.00% 12
EMI scheme(24) 16.00% 30 NA 75.00% 24
EMI scheme(36) 18.00% 30 NA 75.00% 36

Gold Loan FAQ

For releasing the gold, customer has to visit the branch and submit the OGL receipt to close the loan.

Loan amount can be remitted either through online or by cash.

  1. Voters ID.
  2. Aadhar
  3. Passport.

  1. Visit any nearby branch of UAE Exchange.
  2. Complete all registration formalities.
  3. Avail GL online by logging in to our website

No. They have to first complete the registration formalities under the OGL scheme and open an account under the OGL slab.

Gold loan transaction under OGL scheme will be authenticated by the customer by entering OTP (One Time Password) sent to the customer’s registered mobile number. The OTP is generated at the time of initiation of transaction through OGL module. The customer logs in to our website using his mobile number (user ID) and the OTP generated in his mobile number is entered in the system as password.

Borrower has to submit any of the following documents to update his bank account details.

  1. Copy of cancelled cheque.
  2. Copy of bank pass book.

There is no maximum limit for the amount of loan. Borrower can avail gold loan based on the weight of ornaments pledged with the branch.

Borrowers can avail up to five OGL accounts at a time.

Borrower need to visit the branch only once. He has to complete all the registration formalities and provide his correct bank account number to the branch. A maximum limit will be fixed based on the weight of ornaments pledged and borrower will be given an OGL receipt. Whenever borrower require funds, he can login in to our website and avail additional amounts subject to the maximum limit fixed.

Online gold loan is a new scheme where customers can avail gold loan anytime anywhere without visiting the branch and executing any document. Loan amount is instantly credited to the customer’s registered bank account with. The loan is disbursed based on the value of gold already pledged with the branch.

Kindly get in touch with the branch nearest to where you are located. Information about branches convenient to you can be easily collected from our website.( or feel free to contact our customer care department .

Penal interest @ 2% will be charged beyond one year period till recovery/settlement.

While redeeming your gold from us, you need simply bring back the Xpress Loan Receipt issued at the time of disbursing the loan, to our branch from where the loan was availed. When you hand over the receipt over and inform our staff of your decision to close the loan, you will be provided with details of the outstanding amount towards the principal and the interest. Once the entire outstanding amount is remitted, your loan account is closed forthwith and your gold is handed back against an acknowledgement from you confirming receipt of the same.

In the event of the unfortunate death of the borrower, the nominee mentioned in the application at the time of pledge, can redeem the gold after clearing all the dues. In the event of the borrower not able to physically present at the branch for redeeming the pledged gold, he can appoint a third party to redeem the gold after clearing all the dues for which a separate authorization letter signed by the borrower dully authorizing the third party and his signature attested therein to redeem the gold on his behalf is required. Proper ID proof of the third party is also required. Bank account details is not compulsory if the loan amount is less than one lakh. All transactions of one lakh and above will be either via online or by cheque payment.

Yes, if you so desire, you can make small lump sum payments comprising of the interest due at the time as well as a portion of the principal and the gold valued equivalent to the amount you remit can be released to you, subject to conditions thereof.

Of course, any payment at any time toward either your loan or interest is fully acceptable and that too from any of our branches across India. This is apart from the feature that interest is calculated only on the outstanding principal amount at any given point in time

Your trust is precious to us and so is your gold. We have vaults and safes that are built as per standards and specifications in each of our branches. The gold that you deposit with us as security is stored in these vaults. In addition to this, the entire lot of pledged gold in each branch is insured for its full value. Apart from all this, each of our branches is under CCTV surveillance 24 x 7 guarded by trained security personnel and by using electronic surveillance technology.

It is our commitment to complete the processing required for your Gold loan within the least duration of time and make it as hassle free as we possibly can. Therefore, our processing is so designed as to let the customer leave with the loan amount in as fast as less than 15 minutes, although this is subject to the requisite verifications and documentations being completed. Once the customer submits all the required documents, our staff after finishing the required paperwork, will disburses the loan as quickly as possible.

Our Gold Loans are available for tenures up to one year. Customers are advised to service the interest on a quarterly basis to avoid the risk of default.

Gold Loans are disbursed against your gold that is pledged with us. Your gold is tested for quality and valued. Based on the weight of the gold you intend to pledge, the loan amount is calculated and disbursed, after very simple and fast documentation.

In a market crowded with numerous big and small players, it is very important that you find a loan scheme that is reliable, hassle free and without hidden charges. UAE Exchange has been in the Indian financial sector for almost two decades and we are an organization with reach throughout the nation. We are a public limited company licensed by RBI as an NBFC and an AD-II. All services provided by UAE Exchange are done with the necessary certifications and approvals from the designated authorities.