• Hassle-free quick processing of loans
• Minimum documentation and quick disbursal
• Simplified paper work
• Easy payment options
• ATL-Any Time Liquidity
• Highest value to your gold.
• No EMI, service only interest and enjoy the loan facility.

• 1. The rate of interest will be @12%to 20% per year or as applicable from time to time as perscribed by the Com. Act 2013
• 2. Avail loan amount ranging from Rs.10,000 to Rs. 5,00,000
• 3. The valuation of the gold ornaments will be done by SVS Bhagya Nidhi Ltd. through authorized valuer, and the cost of valuation will be borne by borrower.
• 4. The loan interest and principal will be paid on monthly basis.
• 5. In case of non payment of Interest for 12 months, the gold ornaments will be sold by SVS Nidhi after intimation to the borrower.
• 6. The expenditure on sale of Gold ornaments plus due loan amount and 5% penalty rest on due amount interest will be deducted and balance amount will be deposited into loan account.
• 7. The borrower has to provide an affidavit declaring the ownership of the ornaments.
• 8. KYC verification mandatory.
• 9. Penal interest of 2%* charged in case interest is not serviced regularly.

1. Any one who is the member and owns Gold can avail the loan.

2. (Note: Minors are not eligible) To obtain the loan, you need to submit your gold jewellery (within the karat range of 18 to 24k) at SVS Bhagya Nidhi Ltd.

3. The loan amount will be sanctioned on the basis of gold valuation which involves verification of its purity. The weight of impurities etc fixed on the ornaments will be deducted for the purpose of valuation.

To abide by the kyc (know your customer) policy of RBI and approved kyc norms of our company, we insist to produce one document of identity proof.

(such as Ration Card with photo, Driving License, PAN card, Voter ID card, Passport, Aadhaar Card etc) and one document of residential Address proof (such as Telephone Bill, Electricity Bill, Water Bill, bank Account / Credit card statement, Municipal / Local/ House Tax Bill/ Receipt, Authentic Rent Receipt/ lease Document letter from reputed employees/ public Authority).

There are no end-use restrictions in Gold Loans.