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Manappuram Gold Loan

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Manappuram Finance Ltd. offers gold loan @ 9.90% p.a. onwards for loan amounts of up to Rs 1.5 crore and tenures of up to 1 year with no-end usage restrictions. Applicants can avail Manappuram Gold Loan by pledging their gold ornaments or jewellery as security/collateral. The lender claims to offer easy documentation and instant loan approval.

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Updated: 09-04-2025 10:59:43 AM

Manappuram Gold Loan Highlights
Interest Rate 9.90% p.a. onwards
Repayment Tenure Up to 1 year
Loan Amount Rs 1,000 to Rs 1.5 crore
LTV Ratio Up to 75% of the value of gold pledged as collateral
Processing Fees
  • At the time of loan settlement: Rs 10
  • Additional processing fees on re-pledge: 0.007% of net pledge value

Note: Interest rates updated as of 24 Jan 2025

Manappuram Gold Loan Interest Rate

Manappuram offers gold loan interest rates of 9.90% p.a. onwards. The final interest rates on gold loan offered by the lender depends on the loan scheme and amount.

Manappuram Gold Loan Fees & Charges

Processing Fee

Particulars Charges
Processing Fees
  • At time of loan settlement: Rs 10
  • Additional processing fees on re-pledge: 0.007% of net pledge value

Other Charges

Particulars Charges
Prepayment charges Nil
Penal Interest 2% p.a.
Security Charges
  • Up to Rs 10,000: No Charges
  • Rs 10,000 to Rs 50,000: Rs 15
  • Rs 50000 to Rs 1 Lakh: Rs.30
  • Rs 1 Lakh to Rs 1.5 Lakh: Rs.45
  • Rs 1.5 Lakh to Rs 2 Lakh: Rs 60
  • Rs 2 Lakh to Rs 5 Lakh: Rs 75
  • Above Rs 5 Lakh: Rs 95
Auction charges
  • Up to Rs 1 Lakh: Rs 500
  • Rs 1 Lakh to Rs 2 Lakh: Rs 750
  • Rs 2 Lakh and above: Rs 1,000

Types of Manappuram Gold loans

Manappuram Online Gold Loan

Purpose

Manappuram Online Gold Loan enables individuals to procure funds meet their personal, professional or business-related needs by pledging gold ornaments as collateral/security.

Loan Amount

The loan amount for Manappuram Online Gold Loans goes up to Rs 1.5 crore.

LTV ratio

The LTV ratio for Manappuram Online Gold Loans can go up to 75% of the total value of gold pledged as security/collateral.

Manappuram Doorstep Gold Loan

Purpose

Manappuram Doorstep Gold Loan allows individuals to avail the loan facility at their doorstep for fulfilling their personal, professional and business related needs by pledging gold as collateral.

LTV ratio

The LTV ratio for Manappuram Gold Loans at Home can go up to 75% of the total value of gold pledged as collateral.

Manappuram Gold Loan

Purpose

Manappuram Gold Loan enables individuals to procure funds by pledging gold assets with no restriction in terms of end usage of procured funds.

Loan Tenure

The tenure for Manappuram Gold Loans for Education can extend up to 2 years.

LTV ratio

The LTV ratio for Manappuram Educational Gold Loans can go up to 75% of the total value of gold pledged as security/collateral.

Eligibility Criteria for availing Manappuram Gold Loan

The Manappuram Gold Loan Eligibility criteria, as specified by the lender, are as follows:

  • Loan applicants aged 18 years and above, who own gold ornaments are eligible to avail the loan.
  • The purity of the gold pledged as mortgage should be 18-24 carat.

Manappuram Gold Loan Documents Required

Manappuram Gold Loan applicants need to submit the following documents to avail the loan:

  • Identity Proof (any one among Ration card, Driving Licence, Voter ID Card, PAN Card, Passport, Job card issued by NREGA and duly signed by state government officer, letter issued by NPR containing details of name and address etc.)
  • Residential Proof

 

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