Get an Instant Loan Against Silver Jewellery
Turn your silver ornaments and silverware into instant funds — without selling them. Fair valuation, fast disbursal, and full insurance for as long as your loan runs.
Apply for a Silver Loan →27+
years of expertise
2000+
Total customers served
5+
Cities Served Across India
₹1800+ +
Gold Safely Managed
Why Opt For A Silver Loan?
Silver is not just a decorative metal. It is one of the valuable assets like gold. With silver prices steadily rising, it has become a secure and appreciating investment. You can get instant funds with your silver ornament, silverware, etc. There is no need to sell your silver. Once you repay the loan, your silver item will be returned to you in the same way.
Flexible Loan Amount
From 5000 to 2 crores, we provide flexible loans against silver according to the requirement and weight of your silver.
Fast Processing
Get instant approval and instant credit to your account in 30 minutes. We are the quickest in the market.
Competitive Loan-To-Value Ratio
Always get a competitive loan-to-value ratio on silver. We do not undervalue your silver and keep the loan-to-value within RBI guidelines.
100% Silver Insurance
Your silver is fully insured at the current market value throughout your entire loan tenure.
Minimal Documentation
There is no need for income proof. No bank statement. No credit card. No employer letter. Just ID proof and address proof are enough.
Estimate Your Silver Loan Amount
Before visiting the branch, get a quick estimate of how much you could borrow against your silver. Your final weight and amount are confirmed by our in-branch appraisal, which checks the exact weight and purity of your silver.
Indicative only. Final amount is confirmed by branch appraisal of weight and purity.
Interest Rate And Charges
Rates and charges depend upon the gold purity, loan amount and tenure according to the market rate.
Eligibility and Documents For Gold Loan
Eligibility Criteria
- Indian resident, 18 - 75 years of age
- Silver jewellery with 50% to 92.5% Purity
- Valid photo with ID
- No minimum income requirement
Documents Required
- Photo ID: Aadhaar, PAN, Voter ID or Passport (any one)
- Address proof: Aadhaar, Electricity bill, or rental agreement (any one)
- Recent passport-size photograph
- Signed loan application form (provided at the branch)
Silver Articles Accepted for a Silver Loan
Not all silver qualifies. Here's what we accept and what we don't, in line with RBI's collateral rules for silver lending.
We Accept the Following Silver Items:
- Silver Jewellery: Necklaces, bangles, rings, earrings, chains, and pendants
- Silver Utensils: Bowls, glasses, plates, spoons, and other dining items
- Silver Idols & Religious Items: Statues, frames, and ritual articles
- Silver Coins & Bars: Minted coins, bullion bars, and commemorative pieces
- Silverware & Decorative Items: Trays, vases, showpieces, and ornamental items
- Silver Gifted Items: Presents received on special occasions
We Do Not Accept the Following:
- Silver Plated Items
- Antique Silver Items
- Items Below Purity & Weight Requirements
How To Get Your Silver Loan With SaiGoldOGL
Visit Us Or Call
Walk into the nearest SaiGoldOGL branch or call us to book an appointment.
Silver Appraisal
Our certified in-branch appraiser will analyse the weight and purity of your silver in front of you.
KYC verification
Submit your valid photo ID or address proof for verification. It will take just two minutes.
Review Loan Offer
Carefully check the loan amount, interest rate, tenure options, and repayment structure
Receive Your Funds
Accept the offer agreement and receive your funds within 30 minutes as cash or a bank transfer.
Who Can Apply for a Silver Loan?
Unlike unsecured loans, loan eligibility is based on asset value rather than income and employment type. To qualify, you must meet the following points.
Homemakers and housewives
Small business owners and traders
Farmers and agriculturists
Salaried individuals
Self-employed professionals
Seniors
All Indian citizens/NRIs
What Happens If You Cannot Repay Your Silver Loan?
If you face difficulty repaying your silver loan on time, here is our transparent process in compliance with RBI guidance-
Reminder notice & messages
You're informed well before any escalation.
Second formal notice
A formal follow-up if there's no response.
Begin the auction process
Only as a last resort, per RBI guidelines.
Strong Recommendation
Immediately contact us if you're unable to pay your loan. We will revise your tenure, offer a part-payment agreement, or restructure your loan — before it ever needs to reach that final step.