Get Best Gold Loan in Surat - Fast Approval & Low-Interest Rates

Branch Location

Unimoni Financial Services Ltd.
Lower level,Centre Point,
Ring Rd,Sagrampura, Surat,
Gujarat 395002

Gold Loan Services in Surat

Surat, the diamond city of India, is known for its industrious spirit and vibrant economy. In such a dynamic environment, having access to immediate financial solutions is vital. That's where Unimoni Surat steps in—with a gold loan service that is as efficient, secure, and transparent as the people of this great city deserve.

At Unimoni , we recognize that your gold is not just a piece of metal—it's a legacy, a safety net, and a reservoir of untapped financial potential. Our gold loan facility in Surat is designed to offer fast disbursement, fair valuation, personalized service, and maximum customer comfort.

Whether you're managing personal needs, expanding your business, or facing an unforeseen expense, our reliable and respectful gold loan service can give you the financial boost you need, backed by your gold.

Branch Locator

Why Choose Unimoni for Gold Loans in Surat?

At Unimoni Surat, we offer a gold loan experience that's not only quick but also completely secure, giving you peace of mind and financial power in one go.

Quick Disbursal Within 30 Minutes
Time is money in a city like Surat. That's why we've streamlined the process so that you can walk in with your gold and walk out with funds in less than half an hour.
Maximum Loan Value with Accurate Gold Evaluation
Our experts assess your gold with precision using digital purity testers and market-linked rates, ensuring you receive the highest eligible amount under the RBI's guidelines—up to 75% of the gold's market value.

Ultra-Secure Vault Storage
We store your gold in tamper-proof packets, which are then placed in high-security, fully insured vaults equipped with round-the-clock surveillance—your gold remains safe, intact, and untouched until repayment.
Minimal Documentation
There is no need to gather a pile of documents. Just provide:
- A valid PAN Card
And you're ready to receive your gold loan.
Transparent Interest Rates
We pride ourselves on being straightforward. Our interest rates are competitive, and our policies are free from hidden fees—what you see is what you get.
Flexible Repayment Choices
Every borrower has unique financial needs. Choose from:
- Monthly EMIs
- Bullet payment options
- Interest-only payments
This way, you never feel burdened.
Ethical and RBI-Compliant Operations
As an RBI-registered and regulated financial service provider, Unimoni Surat adheres to the highest legal and ethical standards, ensuring a completely stress-free loan journey.

Low Interest Rate

No Processing/Hidden Charges

Easy Top-up, Repayment, Renewal

Factors to Consider Before Availing a Gold Loan

Borrowing against gold is wise—but only when you fully understand the key aspects involved:

Loan-to-Value (LTV) Ratio
The amount you can borrow depends on the purity and weight of your gold, as well as the RBI's loan-to-value (LTV) cap of 75%. Unimoni 's precise evaluation ensures you get the maximum eligible amount.

Interest Rates & Additional Charges
Always understand:
- The base interest rate
- Processing fees
- Prepayment penalties (if any)
- Renewal or late fees
Even a minor rate difference can have a significant impact on your repayment.
Repayment Flexibility
Ask about repayment terms before signing. Flexible options help avoid defaults and protect your pledged asset.
Safety of Pledged Gold

Reputed lenders like Unimoni Surat ensure top-tier security, full insurance, and sealed packaging so your ornaments remain safe throughout the loan duration.

Documents Required for Gold Loan at Unimoni Surat

Applying is easy. Just walk in with:

PAN Card – Mandatory for loan processing and verification.

That's all we need to start processing your gold loan application promptly and efficiently.

Swift Loan Disbursal Methods at Unimoni Surat

Once your gold is evaluated and documents are verified, the approved loan amount is transferred immediately via the following:

IMPS – Instant money transfer 24/7
NEFT/RTGS – Ideal for large amounts

Whether you're dealing with an emergency or planning an investment, Unimoni Surat ensures quick, convenient, and compliant fund transfers.

Visit Unimoni Surat Today – Your Gold, Your Financial Strength

At Unimoni Surat, we understand your aspirations and respect your trust. Whether it's for education, health, weddings, or business, we help you unlock the potential of your gold with speed, security, and service you can count on.

FAQ

How do you determine the value of my gold?

We assess your gold using high-precision machines that accurately test both its purity (in karats) and weight. The eligible loan amount is then calculated based on the latest market rate of gold, ensuring complete transparency in the process.

How much loan can I avail?

The loan amount you can avail of is directly proportional to the market value and purity of the gold you pledge. As per the Reserve Bank of India guidelines, lenders can offer up to 75% of the gold's assessed value as a loan.

What happens if I fail to repay on time?

If you miss your repayment schedule, you may request a loan renewal or an extension to avoid penalties. However, if repayment is still not made after due notice, your gold may be legally auctioned to recover the dues.

Can I repay the loan in parts?

Yes, you have the flexibility to repay the loan through various options such as monthly EMIs, bullet payments, or interest-only repayments. You can also opt for early loan closure without incurring a prepayment penalty in most cases.

Is my gold insured while in custody?

Your pledged gold is fully insured against theft, fire, or any other unforeseen event. It is stored in highly secure vaults with constant surveillance to ensure maximum safety throughout the loan period.