Diamond Loan Turn Your Diamond Jewellery Into Instant Funds
Get instant funds against your diamond jewellery with Sai Gold OGL. Certified 4C valuation, RBI-approved storage, no income proof needed. Apply now.
Apply for a Diamond Loan →Benefits Of Getting a Diamond Loan
A diamond loan works like a gold loan — a secured loan against a valuable asset, giving you instant funds without selling what you own.
High Valuation
A diamond loan works on the same principle as a gold loan, but it gives you more valuation because the daily rate of diamonds does not fluctuate like gold.
Advanced Security
Your diamond will be stored in an RBI-approved vault with 24/7 CCTV surveillance. You will have peace of mind at all times
60–75% Loan-to-Value
The LTV ratio of diamond is more conservative than that of gold. You can have 60 to 75% of LTV only on your diamond or diamond jewellery.
Best Interest Rate
Enjoy the most competitive interest rate with us. No foreclosure fee and hidden costs. Fully transparent.
Minimal Documentation
There is no need for income proof. No credit cards, credit score, just ID, your natural diamond, and address proof are enough for acquiring a diamond loan.
Estimate Your Diamond Loan Amount
Here is a simple calculator that can help you to estimate your loan amount according to the weight, clarity, and quality. However, the final amount will be evaluated by our in-branch appraisal only.
Indicative only. Final loan amount depends on weight, cut, colour, clarity, certification, and branch appraisal.
Eligibility And Documents For Diamond Loan
Eligibility Criteria
- Indian resident, 18 - 75 years of age
- Natural Diamond with certified quality
- 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)
How Is Your Diamond Valued? The 4C Framework
At SaiGoldOGL, we focus on the internationally recognised 4C framework to value your loan amount.
Carat
The size and weight of the diamond. Larger diamonds have a higher value
Cut
The shape of the diamond. The superior cut directly impacts the value.
Clarity
The presence of internal and external blemishes. Fewer imperfections mean higher clarity and higher value.
Colour
The degree of colour means a white diamond. A completely colourless diamond is the most valuable and rare.
Top Diamond Certifications We Accept At SaiGoldOGL
A diamond comes with an internationally recognised certification. Here are some of the top diamond certification labs that we accept for diamond loans.
Gemological Institute of America — It is the world's most trusted and respected lab.
International Gemological Institute — It is widely recognised, especially in India.
Hoge Raad voor Diamant, Antwerp — It is Belgium-based and globally respected.
Solitaire Gemological Laboratory — It is an Indian lab, a cost-effective option.
How To Have A Diamond Loan With SaiGoldOGL?
Visit Or Call Us
Directly visit our nearest branch or book an appointment by calling us
Appraisal
Our certified gemologist will examine the carat, cut, clarity, colour and certification to give an estimated cost.
Standard KYC
Complete your standard KYC by giving ID proof and address proof. It just takes 2 minutes.
Receive Loan Offer
After evaluating your diamond with gold or silver, we will give you a loan amount, interest rate, tenure, etc.
Funds
Sign the agreement, store the diamond in a secure vault and get your funds within 30 minutes