Gold loans, made simpler

Make your gold more valuable.

Jija Gold helps you unlock the value of your gold through simple, fast and accessible gold-loan solutions, backed by a network of trusted lending partners.

Get a Free Consultation Calculate Loan Value

09 min*Branch disbursement example

Up to 90%of eligible gold value

0.92% p.m.*starting rate

10 GM GOLDUp to ₹1,15,000/-Example loan value

FastSimple application journey

90%Up to eligible gold value*

MinimalDocumentation

TrustedLending partner network

Loan calculator

See what your gold could unlock.

Use this simple estimate to understand a possible loan value. Final eligibility and valuation follow the lender's terms and gold assessment.

Gold weight (grams)

Gold purity

Illustrative gold rate: ₹9,500 / gram

Estimated eligible value

₹87,020

This estimate uses the purity-adjusted gold value. The final loan amount, valuation, deductions and terms follow the lender's process.

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Why choose Jija

A gold loan experience built around you.

From small towns and villages to city customers, Jija Gold brings gold-loan assistance closer to the people who need it.

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Fast Disbursement

Branch disbursement in as little as 09 minutes for a ₹50,000 loan under controlled conditions.

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Up to 90% Loan

Access loan options based on the assessed value of eligible gold, subject to the applicable lender scheme.

✓

Minimal Documents

A straightforward process designed to reduce unnecessary paperwork while completing required identity checks and verification.

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Gold at Home

Get assistance at your doorstep through Jija Gold's home-visit service where available.

About Jija Gold

Making gold more golden for golden moments.

Jija Gold helps make gold loans simpler and more accessible, gold loans simpler and more accessible, especially across villages and smaller cities.

The company works with banks, NBFCs and co-operative credit societies through partner branches, authorised jeweller shops and doorstep service.

Talk to a Loan Expert

2023

Founded

₹

Gold-backed funding made more accessible through a lending partner model.

The process

From gold to funds in four simple steps.

Apply

Share your basic details and tell us how we can help.

Valuation

Your eligible gold is assessed under the applicable lender process.

Approval

Complete identity checks and verification and required documentation.

Disbursement

Receive the approved loan according to the lender's terms.

Gold at home

Don't carry your gold across town.

Where the service is available, Jija Gold can bring loan assistance closer to your doorstep with trained loan managers and the necessary safety procedures.

Request a Home Visit

Trusted network

Our gold is secured through trusted partners.

Jija Gold works with regulated financial institutions and partner organisations to facilitate gold-loan services.

Meet the team

Leadership with lending experience.

Mr. Nilesh D Sonawane

Founder & CEO

Computer Science graduate and MBA in Finance and Banking, with 8+ years of experience in a similar background.

Mr. Narayan B Pandit

Founder & COO

Over 7+ years of product and operations experience, including previous gold-loan leadership roles.

Mrs. Komal N Sonawane

Co-Founder

Holds a master's degree in commerce studies from the University of Pune.

Customer stories

Real people. Real needs. Simple gold-loan journeys.

“

Wonderful idea for addressing financial needs. When visiting my home, the loan managers took all necessary safety procedures, and everything went smoothly.

— Vitthal Suryawanshi

“

A simple word to say about this: Excellent. Easy steps to get instant gold loan and very low interest rate.

— Sandhip Jagdale

“

Great service during crucial times. Highly recommend for anybody who's looking for a gold loan with great customer service.

— Mayur Pardeshi

“

Wonderful concept for meeting financial requirements. I didn't have to go outside and the loan managers took necessary safety precautions.

— Yogesh Pawar

Free consultation

Tell us what you need. We'll help you take the next step.

Share your details and our team can get back to you about your requirement.

FAQ

Questions before you apply?

How much can I borrow against my gold?

Jija Gold offers loan options of of up to 90% of eligible gold value, subject to lender scheme, valuation, geography and applicable regulations.

What interest rate is available?

Rates start at 0.92% per month / 11.00% per annum for certain schemes. 11.00% per annum for certain schemes. Rates can vary by lender, scheme and geography and may change.

How quickly can the loan be disbursed?

The 09-minute disbursement example applies to a ₹50,000 loan disbursement for a ₹50,000 loan under controlled conditions. Actual processing time depends on eligibility, identity checks, valuation and lender procedures.

Is Jija Gold itself a bank or NBFC?

No. Jija Gold states that it partners with regulated financial institutions such as banks, NBFCs and co-operative societies and is not itself a bank, NBFC or co-operative society.

What are the loan terms?

Loan durations range from 30 days to 365 days. Annual rates range days and an annual rate range of 11.00%–23%, with applicable processing and foreclosure fees varying by product. Terms and conditions apply.

Your gold already has value

Let it work for your next golden moment.

Get an estimate or speak with a Jija Gold loan expert.

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