Gold Loan in Kolkata
Cash against your gold jewellery, with purity testing in front of you, secure locker storage and a flexible 3 to 12 month tenure.
Gold Services
Top-up / Personal Loan Against Gold
Extra funds on gold you have already pledged, or a personal loan part alongside your gold loan, subject to gold value and eligibility.
- Gold Services
- Usually the same day for existing customers*
About Top-up / Personal Loan Against Gold
Already have a gold loan with us and need a little more? If the value of your pledged gold allows, you can take extra funds on the same gold. You do not need to bring new ornaments. Visit our Salt Lake office in Kolkata and we will check what is possible.
In some cases, a personal loan part can also be given alongside your gold loan, subject to eligibility. Your total loan is then the gold loan amount plus the personal loan amount. The personal loan part has its own interest rate, and both parts are shown in your written agreement with the lending entity's name.
Top-up and personal loan parts are subject to gold revaluation, eligibility and the lending entity's terms. Gold is not released until the personal loan part is also repaid.
Check Your Gold Loan Value
Gold Loan Calculator
Today’s 24K rate: ₹7,000/g
Approx. eligible loan amount
₹48,125
- Monthly interest (3%)
- ₹1,444
- Interest for 6 months
- ₹8,663
- Gold value
- ₹64,167
Pay interest on time and your effective rate can drop to as low as 1% per month under the rebate scheme.
Indicative only. Final value after gold valuation at our office. Stone weight is deducted.
Two Ways to Get More Funds
Which option applies depends on your gold value and eligibility.
Top-up on same gold
Extra funds on the gold you have already pledged, when its current value allows.
Personal loan part
An additional amount alongside your gold loan, with its own interest rate, subject to eligibility.
Gold stays secure
Your gold stays sealed in the secure locker until the full loan is repaid.
Who Needs This Service
- Existing gold loan customers who need extra funds for a short period
- Customers whose gold value has risen since the loan was taken
- Families facing a new expense before the current loan is repaid
- Small business owners who need more working capital
- Customers who need a larger amount than the gold alone can support, subject to eligibility
Key Benefits
No new gold needed
A top-up is given on gold that is already pledged, if its value allows.
One account
The extra amount is added to your existing loan, so you track a single account.
Quick processing
Existing customers usually need less paperwork, as KYC is already on record.
Clear written terms
The gold loan and personal loan parts are shown separately in your agreement.
Eligibility and Applicability
- You have an active gold loan with us
- Your monthly interest is paid up to date
- The current value of your pledged gold supports a higher amount
- For a personal loan part: you meet the eligibility checks at the time of applying
A top-up or personal loan part is not available in every case. It depends on the revaluation of your gold, your repayment record and eligibility at the time of applying.
Documents Commonly Required
Existing loan
- Your gold loan card or pledge receipt
- Receipts of recent interest payments, if available
KYC
- Aadhaar card
- PAN card
- A recent passport-size photograph, if requested
- Updated address proof, if your address has changed
For a personal loan part
- Income proof or bank statement, if requested
Document requirements can vary with the lender, product and your profile. We confirm the exact list before you visit. Never share OTPs or passwords with anyone.
Step-by-Step Process
Tell us your need
Visit or call us with your loan card details and the extra amount you need.
Gold revaluation
We check the current value of your pledged gold at the office.
Check eligibility
We confirm how much top-up is possible, and whether a personal loan part applies.
Sign the update
You sign the updated agreement showing the gold loan part, personal loan part and total.
Receive the funds
The extra amount is paid in cash or by bank transfer, usually on the same day.
Top-up and Personal Loan Terms
| Top-up fee | 1% of the top-up amount |
|---|---|
| Gold loan part interest | As per your gold loan scheme |
| Total loan | Gold loan amount + personal loan amount |
| Release of gold | Gold is released only after both the gold loan part and the personal loan part are fully repaid |
| Release notice | 7 days before collecting your gold |
These terms are indicative. Final terms are confirmed in your written agreement, which carries the lending entity's name. Please note: your gold is not released until the personal loan part is also repaid.
Estimated Timeline and Fees
Estimated timeline
Usually the same day for existing customers
A personal loan part may take longer if extra checks are needed. Bank transfers depend on bank processing times.
Processing fee and charges
A top-up fee of 1% of the amount applies. Any processing fee for a personal loan part is explained before you sign.
Taxes and other charges
GST is added to applicable fees. All taxes and charges are shown in your written agreement.
* All terms are confirmed in your written agreement. The amount available is decided only after your gold is revalued at our office.
Common Mistakes to Avoid
- Assuming the gold will be released once only the gold loan part is repaid
- Taking a top-up while monthly interest is pending
- Not asking for the personal loan part interest rate in writing
- Borrowing more than you can comfortably repay within the tenure
Frequently Asked Questions
Can I get more money on my existing gold loan?
In many cases, yes, if the current value of your pledged gold allows. We revalue the gold at our office and tell you how much is possible.
Is there a fee for a top-up?
Yes. A top-up fee of 1% of the amount applies, plus GST where applicable.
What is the personal loan part?
It is an extra amount given alongside your gold loan, subject to eligibility. It has its own interest rate. Your total loan is the gold loan amount plus the personal loan amount.
When will I get my gold back?
Only after both the gold loan part and the personal loan part are fully repaid. Please give 7 days' notice before collecting your gold.
Do I need to bring my KYC again?
Usually your KYC is already on record. We may ask for updated documents if something has changed.
Related Services
You May Also Need
Gold Loan Settlement and Takeover
Help to settle a gold loan with another bank or NBFC, release your pledged gold, and move it to a clearer scheme if you wish.
Personal, Business, Home and Vehicle Loans
Help choosing and applying for personal, business, home, property, vehicle and education loans through our partner banks and NBFCs.
Talk to Our Team
Have a Question About Top-up Loan on Gold?
Call, WhatsApp or visit our office. We will explain what applies to you, the documents needed and all charges before you decide.
- Callback during office hours
- Written quote before any work begins
- No obligation to proceed
Speak to an expert
Tell us what you need. We will explain the documents, process and fees before you decide.
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