Fast approval
Get quick loan processing through a simple branch-based process, subject to eligibility and documentation.
Loan against
gold
When you need funds, your gold can help unlock them.
GEO VPL Finance provides loans against eligible gold ornaments, with the loan amount assessed based on purity and net weight.
Choose from a range of schemes available at GEO VPL Finance branches across Kerala and Tamil Nadu. Our process is designed around safety, clear valuation and practical documentation.
Start here
Talk to our team
Discuss your requirement, understand the applicable scheme terms and find your nearest branch.
Contact us Find a branchAttractive features
Designed for speed, clarity and flexibility.
Minimal documentation
Experience a straightforward application process with practical documentation requirements.
No account required
No account is required to avail a gold loan, subject to applicable terms and verification.
Part payment options
Part payment and part release options are available under applicable scheme conditions.
Diminishing balance interest
Interest is charged on a diminishing balance basis, as applicable to the selected scheme.
Pre-closure flexibility
Loans can be pre-closed without extra cost, subject to the selected scheme terms.
Schemes and
interest rate
Choose a gold loan scheme that suits your requirement.
| Scheme | Interest rate | Scheme description |
|---|---|---|
| VPL KL-FLAT | 24% | Loan amount: Maximum Rs. 2,50,000/- including accrued interest LTV: 85%, Duration: 270 days |
| VPL HALD | 24% | Loan amount: Maximum Rs. 2,50,000/- including accrued interest LTV: 85%, Duration: 180 days |
| VPL HALD | 24% | Loan amount: Above Rs. 2,50,000/- to Rs. 5,00,000/- including accrued
interest LTV: 80%, Duration: 180 days |
| Service charges related to gold loan | Processing fee for fresh loan: Rs. 25/- excluding tax Processing fee for renewal: Rs. 25/- Documentation charge: Rs. 10/- Notice charges: Ordinary notice Rs. 5/-, registered notice Rs. 75/-, auction notice Rs. 75/- excluding tax Token lost charges: Nil Auction advertisement charges: Rs. 50/- excluding tax |
|
Good to
know
Gold loan questions, answered.
How is my gold loan amount calculated?
The eligible loan amount is determined using the purity and net weight of eligible gold ornaments, along with the selected scheme terms and applicable policies.
Do I need an account to apply?
No account is required to avail a gold loan, subject to applicable eligibility, verification and documentation requirements.
Where can I apply?
Gold loan services are available through GEO VPL Finance branches across Kerala and Tamil Nadu. Use the branch locator or contact our team for assistance.