• Manappuram Gold Loan

    Manappuram Finance Limited offers gold loans up to Rs.1.5 crore against your gold jewelry and ornaments. The gold loans availed from Manappuram Finance can be repaid in a maximum of 1 year.

    Manappuram Gold Loan Scheme Details 

    Interest rate  Up to 29% 
    Tenure  Up to 12 months 
    Maximum Loan Amount  Up to Rs.1 crore 

    Interest Rate & Loan Amount on various schemes

    Scheme Name  Loan Tenure  Slab  Rate of Interest (p.a.)  Maximum amount permitted per customer 
    In Kerala State  In Other States 
    GL-DS Scheme  90 Days  0 - 30 days  12.00%  12.00%  Minimum loan value is Rs.5,000/- and Maximum loan value is Rs.30,000 
    31- 60 days  25.00%  25.00% 
    61- 90 days  28.00%  28.00% 
    GL-SY Scheme  90 Days  0 - 30 days  18.50%  18.50%  Maximum loan amount limited to Rs.1 lakh 
    31- 60 days  25.00%  25.00% 
    61- 90 days  28.00%  28.00% 
    Privilege Loan  (GL-PL)*  90 Days  0 - 30 days  20.50%  Based on individual’s exposure 
    31 - 60 days  27.50% 
    61- 90 days  29.00% 
    Express Gold Loan Plus  (GL-XG+)  180 Days  0 - 30 days  22.00%  26.00% 
    31- 60 days  27.50%  27.50% 
    61- 180 days  29.00%  29.00% 
    Super Loan Plus  (GL-SG+)  270 Days  0 - 30 days  22.00%  26.00% 
    31- 60 days  27.00%  27.00% 
    61- 270 days  28.00%  28.00% 
    Samadhan Plus  (GL-SA+)  365 Days  0 - 30 days  22.00%  26.00% 
    31- 60 days  27.00%  27.00% 
    61- 365 days  28.00%  28.00% 
    Swarna Shakthi (GL-SX)  90 Days  0 - 30 days  (Applicable only in Tamil Nadu, Andaman and Nicobar Islands, and Pondicherry)  25.00% 
    31- 60 days  27.50% 
    61- 90 days  29.00% 
    90 Days  0 - 30 days  (Applicable only in Karnataka, Telangana, Andhra Pradesh, Jammu and Kashmir, Chandigarh, Punjab, Gujarat, Goa & Delhi)  25.75% 
    31- 60 days  27.50% 
    61- 90 days  29.00% 
    90 Days  0 - 30 days  (Applicable only in **Tier 1 branches in Northern states)  25.75% 
    31- 60 days  27.50% 
    61- 90 days  29.00% 
    90 Days  0 - 30 days  (Applicable only in Northern branches other than **Tier 1 branches)  26.75% 
    31- 60 days  27.50% 
    61- 90 days  29.00% 
    GL B1+N  90 Days  0-30 days  20.00%  23.00%  Subject to individual exposure limit fixed (Minimum Loan value for B1+N : 2 Lakhs, B1-N : 5 Lakhs, B2+ : 10 Lakhs & H3+: 25 Lakhs) 
    31-60 days  26.00%  26.00% 
    61- 90 days  28.00%  28.00% 
    GL B1-N  90 Days  0 - 30 days  19.00%  20.00% 
    31 -60 days  24.00%  24.00% 
    61- 90 days  26.00%  26.00% 
    GL B2+  90 Days  0-30 days  17.00%  18.00% 
    31-60 days  22.00%  22.00% 
    61-90 days  24.00%  24.00% 
    GL H3+  90 Days  0-30 days  15.00%  15.00% 
    31-60 days  18.00%  18.00% 
    61-90 days  24.00%  24.00% 
    Business Loan (GL BL)  90 Days  0-90 days  24.00%    24.00%    Minimum Loan value: Rs.50 Lakhs. 
    GL B4+  90 Days  0-90 days  15.00%    15.00%    Based on individual’s exposure 

    Charges Associated with Manappuram Finance Gold Loans 

    Postage Charges  Rs.10 to Rs.30 
    Advertisement  Rs.50 and Rs.175 if you are a resident of Karnataka 
    Delivery of Gold against Lost Pawn Ticket  Rs.75 to Rs.100 
    Statement of Accounts  Up to Rs.25 
    Gold Processing Charge 
    • During loan settlement – Rs.10 
    • Additional processing fee on repledge – 0.07% of new pledge value 
    Custody Charge for Nil Balance Accounts 
    • Up to 180 days – Rs.2 
    • After 180 days – Rs.100 plus proportionate extra charge for each day thereafter 


    The eligibility criteria one will have to fulfil in order to apply for a gold loan from Manappuram are: 

    • Anyone except a minor who owns a gold ornament or jewelry can apply for a Manappuram gold loan. 
    • The gold ornaments should be within a karat range of 18k to 24k to be eligible for a gold loan. 


    Availing a gold loan from Manappuram Finance requires minimal documentation. You just need to furnish the below-given documents to avail a Manappuram gold loan: 

    • Proof of Identity – Passport, Voter’s ID, Driving License, PAN Card, etc. 
    • Proof of Residence – Driving License, Passport, Aadhar Card, etc. 

    Features of Manappuram Gold Loan 

    • High Loan Amounts – You can avail a loan up to Rs.1.5 crore on availing a gold loan from Manappuram. 
    • Multiple Schemes to Choose from – You have the option of choosing from multiple gold loan schemes offered by Manapurram Finance Limited based on your financial requirements.
    • Loan Sanctioned with Minimum Requirements – You require minimum documentation to get your loan sanctioned.  You will be required to submit one recent ID, like your Voter ID, Ration Card, Driving License, Passport, etc. and a proof of residence. 
    • Quick Loan Processing –  Your loan gets approved within minutes provided you have submitted all the necessary documents. 
    • Low Interest Rates – The interest offered starts as low as 12% based on your loan amount and gold loan scheme chosen by you. 

    Gold Loan Calculator

    You can calculate how much loan amount you are eligible for against your gold ornaments by using the Gold Loan Calculator available on the website of Manappuram Finance. Just enter some basic details such as your name, phone number, email address, state, city, type and weight of gold, and the tool will calculate and display the maximum amount you can avail as a gold loan from Manappuram Finance.

    Manappuram Online Gold Loan

    Manappuram Finance offers Online Gold Loan (OGL) of up to Rs.1.5 crore wherein you must pay interest only for the exact number of days that you avail the loan for. The other features of the online gold loan have been listed below:

    • The gold pledged to Manappuram Finance is 100% safe and secure and comes with free insurance cover.
    • There are no hidden charges associated with the Manappuram online gold loan and you can avail the loan anytime at your convenience.
    • You can download the Manappuram OGL app to avail a gold loan, pay interest, locate the nearest branch of Manappuram Finance, and check account statement.
    • The online gold loan can be availed in a hassle-free manner and the entire process is paperless.

    Manappuram Gold Loan Branches

    Manappuram Finance has over 3,300 branches across 28 states of India from where you can avail gold loans. The location of the branches can be found by using the ‘Branch Locator’ on the website of Manappuram Finance. For your convenience, we have listed some of the main branches of Manappuram Finance:

    City and State Branch Address
    Bangalore, Karnataka
    1. Door No. 16/2, Ist Floor, Jaya Mansion, Sadashiva Mudaliyar Road, Nr. H.P Petrol Pump, Opp. Liberty Tailor's, Ulsoor, Bangalore - 560 008
    2. Door No: 1082/9, Ist Floor, S.P Complex, Above South Indian Bank, Triveni Road, Nr. Yeswanthpura Circle, Yeswanthpur, Bangalore – 560022
    3. Bangalore Shivajinagar Room No. 125/128, Ground Floor, Chicku Bazar Road, Nr. Shivaji Circle, Shivaji Nagar, Bangalore - 560 061
    4. Ramamurthy Nagar Room No. 10, Ist Floor, Dasappa layout, Opp. Manipal Nursing Home, Above Surya Bakery, Nr. Petra Park, Ramamurthy Nagar, Bangalore - 560 016
    5. Ist Floor, Shaik Ali Complex, 3rd Cross, No. 3/6-5, 3/6-6, Nr. Ayyapa Temple, Opp. Cauvery Nursing Home, Koramangala, 2nd Block, Madivala (P.O), Bangalore - 560 068
    Chennai, Tamil Nadu
    1. Door No. 84/2, Brindavan Apartment, Ground Floor, Eldams Road, Teynampet, Chennai - 600 018
    2. Shop No. 528, NSK Nagar, IIIrd Avenue Main Road, Annanagar, Chennai - 600 106
    3. Vadapalani 304, Ist Floor, V.K.K. Complex, Arcot Road,Opp. Jains Eiffel Gardens, Vadapalani, Chennai - 600 026
    4. Room No. 545/750, Ist Floor, T.H. Road, Nr. Maharani Theatre, Old Washermanpet, Chennai - 600 021
    5. Tambaram 43, Ist Floor, M.R. Theatre Building, Opp. Tambaram Railway Station, West Tambaram, Chennai - 600 044
    Delhi, Delhi
    1. Building No-6780, Ground floor, Galli no-3, Block No-10 , Deshbandhu Gupta Road, Dev nagar ,Karol bagh, New Delhi – 110005
    2. Tilak Nagar Metro Piller No. 528, Plot No. 1/8, Tilak Nagar - 110 018
    3. Kalkaji Ist Floor, 1/16, Nr. Maharshi Valmiki Mandhir, Kalkaji - 110 019
    4. Lakshmi Nagar Lower Ground Floor, Room No. 1/15 Lalith Park, Near Karnataka Bank, Lakshmi Nagar - 110 092
    5. Rohini Flat No. 383 & 384, Pocket - E-16, Ist Floor, Sector-8, Rohini, North Delhi - 110 085
    Kolkata, West Bengal
    1. Bow Bazar Building No. 213 A, IInd Floor, B.B. Ganguly Street, Kolkata - 700 012
    2. Dunlop Bridge Holding No. 47, 139/A/18 Street B T Road, Ist Floor, Dunlop Bridge, Bara Nagar, Kolkatta -108, 24-Parganas, Barackpur - 700 108
    3. Ram Lal Bazar Building No. 1/28 A, Ist Floor, Neli Nagar Colony, Ram Lal Bazar, Kolkata - 700 078
    4. Bidhan Sarani 10/A, Ist Floor, Bidhan Sarani Road, Bidhan Sarani P.O., Near Vidhya Sagar College, Opp. Bina Cinema, Kolkata - 700 006
    5. Takurpukur Building No. 207B, Ist Floor, No. 8, Bakhrahat Road Takurpukur Bazar, Pampa Oil Mill, Takurpukur P.O., Kolkata - 700 063
    Mumbai, Maharashtra
    1. Sakinaka Sagar, Plazio Building Co OP Society Limited, Ground Floor, C T S No: 721/721 A, Mohali Gaon, Sakinaka Junction, Andheri Kurla Road, Andheri, East Mumbai, Mumbai - 400 072
    2. Ghatkopar Flat No. 101-C, Trimurti Aarket, L.B.S. Marg, Near Sarodaya Hospital, Ghatkopar (W) Mumbai - 400 086
    3. Malad Ahimsa Terrace, Ground Floor, Door No-5,6,7, New Link Road, Chincholi, Malad, Mumbai - 400 064
    4. Vikhroli Gala No. 10, Ground Floor, Indraprastha Industrial Estate, L.B.S. Marg, Vikhroli (West), Mumbai - 400 083
    5. Powai Mumbai Shop No. 1,2,3, & 4, Ground Floor, Red House, Opp. IIT Market, Padmavathidevi Road, Powai, Mumbai - 400 076

    FAQs on Manappuram Gold Loan

    1. How soon can I get a gold loan from Manappuram Finance?
    2. After the application form and the necessary documents have been furnished, you can expect to receive approval from Manappuram Finance within few minutes. However, this will lie at the discretion of the branch head of Manappuram Finance.

    3. I do not have a bank account. Can I still avail Manappuram gold loan?
    4. You need not have a bank account to avail a gold loan from Manappuram Finance. However, it is always recommended to have one as transactions done through a bank account is compliant to regulations.

    5. Do I have to provide a guarantor to avail a gold loan?
    6. No, you do not need to provide a guarantor to avail a Manappuram Finance gold loan.

    7. Can I make a partial repayment on gold loan availed from Manappuram Finance?
    8. If you wish to reduce the interest burden on your gold loan, you can make a partial repayment of the loan or the accrued interest at anytime.

    9. Are my gold ornaments safe with Manappuram?
    10. The gold ornaments you pledge with Manappuram are completely safe as they are stored in a strong safe/room at the branch. The safe has been built in accordance with the standards and specifications applicable to commercial banks. Moreover, the gold ornaments are insured for full value and electronic surveillance technology has been deployed for the protection of the pledged gold.

    11. What is the minimum amount of loan I can avail as a gold loan from Manappuram?
    12. You can avail a minimum of Rs.1,000 as a gold loan from Manappuram Finance which can be repaid in a period of 3 months. There is no lock-in period on the gold loans availed from Manappuram Finance.

    13. Can I prepay my gold loan? If yes, is there a penalty?
    14. Yes, Manappuram Finance allows you to prepay your gold loan before the end of your loan tenure. There will be no penalty charged on prepaying your gold loan.

    15. How do I settle my gold loan and get my gold ornaments back?
    16. You will need to submit the pawn ticket which you would have received while taking the gold loan to the staff at the counter at the branch, along with a request for loan closure. You will be informed of the outstanding loan amount by the staff at the branch and once you have paid this amount, your loan account will be closed. The branch will then hand over your ornaments to you against your acknowledgement.

    17. What will happen if I cannot repay my gold loan on the due date?
    18. You will be charged a penal rate of interest on the loan amount from the loan due date if you do not repay on or before the due date.

    19. Whom do I get in touch with in case of any queries?
    20. If you have any queries you can reach out to the nearest branch of Manappuram Finance, the location of which can be found in the official website of Manappuram Finance. You can also reach out to the lender by dialing the Manappuram gold loan customer care number – 1800-420-22-33, by emailing to crm@manappuram.com, and sending an SMS GLOAN to 57060.

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