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| KSFE Gold Loan Highlights | |
| Interest Rate |
|
| Loan Amount | Up to Rs 25 lakh |
| Tenure | Up to 1 year |
| Collateral | Gold ornaments with purity 916/22 carat |
| Repayment | EMI basis |
Rates as of 17th Dec 2024.
KSFE Gold Loan Interest Rates
KSFE gold loan interest rates start from 4.90% p.a. onwards. The lender offers its differential gold loan interest rates depending on the type of gold loan scheme offered to the applicants.
| Loan Type | Interest Rate (p.a.) |
| Gold Loan | 7.50%-9.25% p.a. |
| Janamithram Gold Loan | 4.90% p.a. |
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Types of KSFE Gold Loans
KSFE Premium Gold Loan
Interest Rate: 9.90% p.a.
Tenure of Loan – 90 days
Maximum sanctionable loan amount – 85% of the market value of gold
Purity of gold – 916/22ct
KSFE Gold Loan
Purpose: KSFE gold loans are short-term loans offered to individuals to meet their urgent financial requirements.
Loan Amount: Up to Rs 25 lakh
Tenure: Up to 1 year
KSFE Janamithram Gold Loan
Purpose: KSFE Janamithram Gold Loan is a term loan facility wherein the principal and interest components are serviced through EMIs.
Loan Amount: Up to Rs 10 lakh per day
Tenure: 1 year
Repayment: EMI basis, i.e., principal plus interest shall be repaid in 12 equal instalments
KSFE Gold Loan Eligibility Criteria
KSFE Limited has not disclosed the eligibility criteria for its gold loan applicants. However, the lender may consider the applicant’s age and purity/weight of his/her gold pledged as security, just like other lenders do while evaluating their gold loan eligibility.
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Documents Required for Availing KSFE Gold Loan
KSEF Ltd. has not mentioned the documents required by the lender while applying for gold loans. However, the applicants may consider the following gold loan documents while applying for gold loan.
- Identity Proof- PAN card, Aadhaar card, Passport, Driving License, Voter ID
- Address Proof- Aadhaar card, PAN card, Passport, Utility bills, Voter ID
KSEF Gold Loan EMI Calculator
Individuals planning to avail gold loan can calculate their EMIs and interest cost by using gold loan EMI calculators available online. Applicants need to enter the interest rate, loan tenure and loan amount in the EMI calculator and calculate the results instantly. They may also use the gold loan EMI calculator provided on the Paisabazaar website.