Member Loans
Gold Loan
Anjani Gold Loan is a secured facility available to eligible members against approved gold ornaments, subject to valuation, documentation and the company's lending policy.
Key loan information
- Eligibility
- Active, eligible members only
- Permitted purpose
- Personal and approved requirements [VERIFY]
- Loan amount
- ₹[VERIFY] to ₹[VERIFY]
- Tenure
- [VERIFY]
- Interest-rate range
- [VERIFY]% to [VERIFY]% p.a.
- Security required
- Approved gold ornaments, subject to valuation
- Approval timeline
- Subject to verification and approval; no guaranteed timeline
Eligibility
- Active membership of Anjani Nidhi
- Minimum age: [VERIFY] years
- Completed and current KYC
- Demonstrated repayment capacity
- Ownership of the gold ornaments offered as security
- Other internal approval criteria as applicable
Documents required
- Membership identification
- PAN
- Identity and address proof
- Income or repayment evidence, where required
- Ownership declaration for the security
- Photographs
- Bank details
- Loan application form
Documents are collected only through authorized, secure channels. Never send identity documents or bank details through public website forms or unverified contacts.
Application process
- 1
Submit an enquiry.
- 2
Visit the authorized branch.
- 3
Complete KYC and documentation.
- 4
Gold is inspected and valued by an authorized valuer.
- 5
Eligibility and repayment capacity are assessed.
- 6
Approved terms are provided.
- 7
Agreement and disbursement are completed.
Every application is subject to verification, valuation and approval. Submitting an application does not guarantee sanction or disbursement.
Rates and charges
| Item | Applicable amount / rate | Effective from |
|---|---|---|
| Interest rate | [VERIFY: Approved range] | [VERIFY] |
| Processing charge | [VERIFY] | [VERIFY] |
| Valuation charge | [VERIFY] | [VERIFY] |
| Penal charge | [VERIFY] | [VERIFY] |
| Notice / auction charge | [VERIFY: Basis] | [VERIFY] |
All rates and charges are governed by the applicable circular and loan agreement. See the Rates and Charges page for the current circular.
Repayment and default information
- Repayment frequency and channels as per the loan agreement [VERIFY]
- Prepayment permitted as per company policy [VERIFY]
- Late payment attracts penal charges and notices as per policy
- Continued default may lead to enforcement of security through the documented notice and auction process
- Any surplus from auction, after dues, is returned to the member
- Members retain full grievance rights throughout the process
Frequently asked questions
How is my gold valued?
Gold is valued by an authorized valuer according to the company's documented valuation policy, based on purity and weight. Valuation charges, if any, are listed in the rates and charges schedule. [VERIFY]
Is loan approval guaranteed once my gold is valued?
No. All loans are subject to eligibility, verification and the company's approval process. Valuation alone does not constitute approval.