Gold Loan Required Documents
We ensure minimum paperwork and thus provide you a hassle free gold loan process.

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Gold loans are one of the most widely availed loans in the country, and with good reason. Any person above the age of 18 can apply for a gold loan and these loans need minimum documentation to get sanctioned. Also, the documents needed are ones that almost everybody can easily provide – age proof, ID Proof and address proof.
(Original for verification and self-attested copies for submission)
Document | |
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*For Kotak customers | Latest address proof (only if the address of the customer as updated in the bank records is different from the address stated in this application) and signature proof. PAN is a must, if the annual income exceeds Rs.5 lakhs as per Regulatory guidelines. |
*For non-Kotak customers |
Identity Proof, Address Proof, Signature Proof (KYC Documents) and 2 passport size photographs PAN is a must, if the annual income exceeds Rs.5 lakhs as per Regulatory guidelines( needs to be included for Non customers ) |
Note - ITR need to be submitted if customer avail gold loan Rs 25 lakh and above. Here is a list of necessary documents for these types of loans:
About your interest rates and fees and charges
Just like for any other loan, the rate of interest for gold loans varies with the period and loan amount. Here is a detailed list of fees and charges to be paid.
About your EMIs and available repayment options
For availing a gold loan, you must ensure that you know the facts and figures well – the interest amount, the principal, and the EMI that you will pay every month. If you are not certain about these, you can always use the gold loan EMI calculator and find out what amount you will have to pay every month.
Why should you apply for a Kotak Gold Loan?
The best part about applying for gold loans from Kotak is that the process is extremely easy. Here are the simple steps:
1. Submit all necessary documents and apply for the gold loan.
2. Get your gold assets tested and verified at select branches to get instant approval for your gold loan.
3. Quick credit of loan amount to your account !
Know more about Kotak gold loans – the easiest way to receive instant funds for your personal or business requirements.
A loan taken against your gold jewellery is known as a Gold Loan. When you hand over your gold to the bank in return of a specific amount is classified as a Gold Loan. It is a quick and straightforward process to obtain funds against your gold with minimal documentation at competitive Gold Loan interest rates with flexible tenures.
Only acceptable gold ornaments from 18 to 22 karat and only bank minted coins (24 Karat) up to 50 gms per customer can be funded. Non funded items / articles such as Hair pins, Cufflinks, Gold watch, Gold strap, Gold idols, Gold utensils, jewellery with more than 50% deduction, Thread mangalsutra, White gold, Diamond jewellery, Imitation jewellery, Ginni, Gold bars cannot be accepted.
ITR need to be submitted if availing gold loan of Rs.25 lakhs and above. PAN is a must, if the annual income exceeds Rs.5 lakhs as per Regulatory guidelines.
The customer need not be an existing customer of the bank. However, we recommend that while availing the Gold Loan, customer should open a savings bank/current account facility with the bank which will enable the customer to not only enjoy banking services of the bank, but also assist them in servicing the loan conveniently.
Bullet Scheme Tenure of 12 Months (Can be renewed for further period of 24 Months with the same loan documents with request letter for renewal from the customer etc.). Interest Payment can be Quarterly /Half Yearly and Yearly.
No amount of financial preparation is not enough when it for your bundle of joy. But you can surely make an effort for it.
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By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.
By clicking on the hyper-link, you will be leaving www.kotak.com and entering website operated by other parties. Kotak Mahindra Bank does not control or endorse such websites, and bears no responsibility for them.