What documents are required for gold loan?

The basic gold loan ke liye documents usually include your Aadhaar card, PAN card, address proof and passport-size photographs. Some lenders may also ask for additional documents depending on your loan amount and scheme. It is always better to carry original documents along with self-attested copies for easier verification and approval.

Is PAN card mandatory for gold loan?

A PAN card is mostly requested by banks and NBFCs, especially when the loan amount is high. However, you can still get a gold loan without a PAN card in some situations, particularly for smaller loan amounts. In such situations, lenders might accept alternative documents based on their internal rules and policies.

Can I get a gold loan with only Aadhaar card?

Aadhaar card is one of the main gold loan documents needed, which is used for KYC when applying for a loan. You can often start the process with just Aadhaar for small loan amounts, as it confirms your identity quickly. A PAN card and a few other documents are also sometimes requested to complete the process.

Do salaried and self-employed applicants need different documents?

For most gold loans, both salaried and self-employed applicants are asked to submit similar KYC documents. Since the loan is secured against gold jewellery, lenders mostly focus on the value of the gold rather than your job details.

Are income proof documents required for gold loan?

Income proof is usually not a compulsory documents needed for gold loan. Since the loan is given against your jewellery, lenders usually do not focus on income details for basic approval. But for higher loan amounts, agriculture loans or business-related borrowing, some can still ask for extra financial documents to better understand your repayment ability.

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Documents Required for Gold Loan in India (2026 Guide)

Planning to apply for a gold loan? Learn about the important documents required for gold loan approval, eligibility criteria, and the simple application process in India.

Anjali Singh

Assistant Manager

Published Date:May 29, 2026

"Check Your Loan Eligibility in Minutes!"

Documents Required for Gold Loan in India (2026 Guide)

"Check Your Loan Eligibility in Minutes!"

Documents Required for Gold Loan in India (2026 Guide)

Frequently Asked Questions

Anjali Singh

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