Any eligible individual with gold jewellery and valid KYC documents can apply for a gold loan, subject to age, identity verification, gold eligibility, documentation, and company policy. T&C apply.
Gold loans are quick, secured, and simple. At Mangalam Finance, customers benefit from fast sanction, transparent valuation, competitive interest rates starting from 10.8% p.a., zero processing fees*, zero valuation fees*, secure gold storage, and free gold loan insurance as per company policy. T&C apply.
Gold jewellery such as chains, bangles, rings, earrings, necklaces, and other eligible ornaments may be accepted, subject to purity, net weight, condition, and company policy. T&C apply.
Gold jewellery is tested for purity using scientific methods including caratometer and density-based testing. Loan eligibility depends on the assessed purity, net weight, applicable gold rate, and company policy. T&C apply.
Gold loan is a secured loan against pledged gold. CIBIL or credit score requirements, if any, will be as per company policy, loan amount, customer profile, and internal assessment. T&C apply.
LTV (Loan-to-Value) is the percentage of the eligible gold value that can be offered as a loan. At Mangalam Finance, customers may be eligible for loan up to 85% LTV on eligible loans, subject to RBI guidelines, gold purity, net weight, documentation, and company policy. T&C apply.
The minimum and maximum loan amount depends on the value of pledged gold, purity, net weight, applicable gold rate, LTV, eligibility, documentation, and company policy. Please visit your nearest branch for a personalised loan offer. T&C apply.
Mangalam Finance offers flexible tenure options subject to loan amount, eligibility, repayment structure, and company policy. Customers can choose a suitable tenure as per their financial needs at the time of loan sanction. T&C apply.
Interest is calculated on the outstanding loan amount as per the applicable rate, tenure, repayment structure, and company policy communicated at the time of loan sanction. Mangalam Finance offers interest rates starting from 10.8% p.a. on eligible loans. T&C apply.
Customers can repay their gold loan through interest payments and/or principal repayment as per the agreed repayment structure and company policy. Repayment options and schedules are explained clearly at the time of loan sanction. T&C apply.
Yes. Loan renewal may be available subject to repayment status, gold value, eligibility, documentation, and company policy. Customers can visit their branch or contact customer care for renewal options. T&C apply.
Part-release allows customers to release a portion of their pledged gold after eligible repayment, subject to LTV, outstanding loan amount, gold value, and company policy. T&C apply.
A top-up facility allows eligible customers to avail additional loan amount against the same pledged gold, based on gold value, LTV, repayment history, documentation, and company policy. T&C apply.
Gold is tested using scientific methods including caratometer and density-based testing. Valuation is based on purity, net weight, applicable gold rate on that day, and company policy — ensuring a fair and transparent process. T&C apply.
Caratometer based testing is a scientific method used to assess the purity of gold jewellery. It helps ensure accurate, transparent, and consistent valuation for every customer. T&C apply.
Acceptance of gold coins and gold bars is subject to company policy, purity, documentation, and regulatory guidelines. Please check with your nearest Mangalam Finance branch for eligibility. T&C apply.
Joint gold loan facility may be available subject to KYC, documentation, eligibility of all applicants, and company policy. Please visit your nearest branch for details. T&C apply.
Prepayment or foreclosure charges, if any, will be as per the loan agreement, repayment structure, and company policy communicated at the time of loan sanction. T&C apply.
Missed payments may attract penal interest or other charges as per the loan agreement and company policy. Customers are advised to contact their branch or customer care promptly to discuss repayment options. T&C apply.
If a loan remains unpaid beyond the agreed terms, the company may follow its recovery and auction process as per the loan agreement, regulatory guidelines, and company policy. Customers are encouraged to contact the branch early to explore renewal, part-payment, or other options. T&C apply.
To close your gold loan, repay the outstanding principal and applicable interest/charges as per your loan agreement. Once payment is confirmed, the gold release process is initiated after verification. T&C apply.
After full loan closure and verification, your sealed gold packet is released to you through a documented and secure process at the branch. Gold is released only after loan closure and customer verification. T&C apply.
NRI eligibility for gold loans is subject to KYC, documentation, regulatory guidelines, and company policy. Please contact your nearest branch or customer care for current eligibility criteria. T&C apply.
You can visit the Branches section on our website, call our customer care at 1800-XXX-XXXX, or submit a Branch Enquiry form on the Contact page. Our team will guide you to the nearest branch. T&C apply.
Branches are generally open Monday to Saturday, 10:30 AM to 7:30 PM. Timings may vary by location and on public holidays. Please contact your nearest branch for exact timings. T&C apply.
Customers can raise complaints through customer care, email, or by visiting the branch. Mangalam Finance follows a structured grievance redressal process as per regulatory requirements and company policy. [Insert Grievance Contact Details]
Yes. Mangalam Finance is operated by Mangalam Barter Private Limited, an RBI Registered NBFC. RBI Registration / License Number: [Insert RBI License Number]. T&C apply.
*T&C Apply. Loan is subject to eligibility, KYC, gold purity, LTV, documentation and company policy.