Gold Loan that honours
your TRUST!

Best Gold Loan Company - Paul Merchants Finance

Paul Merchants Finance offers easy, quick, and reliable Gold loan services. You can avail gold loan against your gold jewellery. The loan is sanctioned giving you the maximum value for your gold. Quick processing time, zero processing fees, and flexible repayment tenures add glitterto the Gold Loans.

Honouring your emotional connect with Gold, we recommend these loans as one of the easiest ways to generate funds for any financial needs like when you need quick money for business expansion or to finance the dream education of your child.
 

High-Five to Paul Merchants Finance Gold Loans

 
  1. Get maximum value for your gold pledged
  2. Safe custody of your Gold
  3. Minimum documentation (Valid Photo ID and Address proof) and quick disbursement
  4. No processing fee, No gold appraisal charges, and absolutely NO Prepayment charges

Loan Schemes

Sulabh Loan

  • Ideal for: PMFPL Sulabh Gold Loan Scheme is ideal for customers who have medium-sized ticket requirements at a lower rate of interest.
  • Loan Limits: The minimum loan value is Rs. 50,000 to a maximum of Rs. 2,00,000.
  • Rate of Interest: One of the best-selling schemes that offer a Rate of interest as low as 16.5% p.a.
  • Loan Tenure: The tenure of the loan is 12 months.
  • Gold Insurance: Free Insurance for pledged Gold Ornaments.
  • Security: All pledged gold is kept 100% safe and secure under industries best security solutions.
  • Transparent Working: We charge no Processing Fee or Loan Closure Charges.

Sugham Loan

  • Ideal for: Customers wanting to benefit from the best of both – A good per gram rate & an attractive interest rate.
  • Loan Limits: The scheme offers a flexible loan limit to the customer
  • Rate of Interest: The scheme is available at an 18% pa rate of interest.
  • Loan Tenure: The tenure of the loan is 12 months.
  • Gold Insurance: Free Insurance for pledged Gold Ornaments.
  • Security: All pledged gold is kept 100% safe and secure under industries best security solutions.
  • Transparent Working: We charge no Processing Fee or Loan Closure Charges.

Shubh Loan-plus

  • Ideal for: One of our best-selling scheme – Shubh Loan Plus, is the first choice of many of our customers. The scheme is ideal for people who like no-hassle interest payments and peace of mind.
  • Loan Limits: The scheme has no maximum limit to the loan offered.
  • Rate of Interest: Shubh Loan Plus is a revamp scheme and offers loans at a very low-interest rate of just 20% p.a. with a higher per gram rate and 90 days interest payment period.
  • Loan Tenure: The tenure of the loan is 12 months.
  • Gold Insurance: Free Insurance for pledged Gold Ornaments.
  • Security: All pledged gold is kept 100% safe and secure under industries best security solutions.
  • Transparent Working: We charge no Processing Fee or Loan Closure Charges

Shubh Loan

  • Ideal for: PMFPL Shubh Loan is ideal for customers from backgrounds like Traders, Business community, property dealers, shop owners, etc. who wish to avail higher per gram funding.
  • Loan Limits: The scheme offers flexible loan availing option to customers.
  • Rate of Interest: Shubh Loan comes at a low-interest rate of just 1.50% p.m, with 90 days interest payment time period.
  • Loan Tenure: Tenure of loan is 12 months.
  • Gold Insurance: Free Insurance for pledged Gold Ornaments.
  • Security: All pledged gold is kept 100% safe and secure under industries best security solutions.
  • Transparent Working: We charge no Processing Fee or Loan Closure Charges

Sukhad Loan

  • Ideal for: PMFPL Sukhad Loan Scheme is ideal for people with backgrounds like business owners and traders who are looking for the highest per gram rate.
  • Loan Limits: The scheme comes with no minimum and maximum loan limits, ideal for flexible loan needs.
  • Rate of Interest: The scheme is available for customers at a very low-interest rate of just 2% p.m.
  • Loan Tenure: The tenure of the loan is 12 months.
  • Gold Insurance: Free Insurance for pledged Gold Ornaments.
  • Security: All pledged gold is kept 100% safe and secure under industries best security solutions.
  • Transparent Working: We charge no Processing Fee or Loan Closure Charges

Shakti Loan

  • Ideal for: Shakti Loan scheme is ideal for business owners who want finance for business expansion. The scheme offers high funding at the lowest rate of interest
  • Loan Limits: The minimum loan value in Shakti Loan Scheme is Rs. 2,00,000.
  • Rate of Interest: One of our most selling schemes, the Shakti Loan Scheme comes at a very low-interest rate of 1.29% per month.
  • Loan Tenure: The tenure of the loan is 12 months.
  • Gold Insurance: Free Insurance for pledged Gold Ornaments.
  • Security: All pledged gold is kept 100% safe and secure under industries best security solutions.
  • Transparent Working: We charge no Processing Fee or Loan Closure Charges

Saral Loan

  • Ideal for: PMFPL Saral Loan scheme is ideal for customers who want the best per gram rate at the lowest rate of interest. Ideal for meeting day-to-day requirements.
  • Loan Limits: The maximum loan value in the scheme is Rs. 50,000.
  • Rate of Interest: Scheme with the Lowest Rate of Interest of 12% p.a.
  • Loan Tenure: The tenure of the loan is 12 months.
  • Gold Insurance: Free Insurance for pledged Gold Ornaments.
  • Security: All pledged gold is kept 100% safe and secure under industries best security solutions.
  • Transparent Working: We charge no Processing Fee or Loan Closure Charges

Avail Gold Loan Now

Gold Loan

Easy To Avail, Easy To Repay

Gold Loan Benefits

  • Quick Disbursement
  • Maximum Gold Value
  • Zero Processing Fee
  • Prepayment option available with no charges
  • Minimal documentation process

Loan Calculator

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Gold Loan FAQs

What makes Paul Merchants Finance Gold Loans popular?

Our Gold loans are super-easy to avail, equally easy to repay, and are hassle-free. We offer the maximum per gram value on gold pledged. One can also avail the part release facility on your jewellery pledged when you need it by making part payment.

We offer bullet loans where repayment is flexible. We accept partial payments throughout the duration of the loan and we accept all forms of digital payments for easy repayment.

Modes of Repayment

Pay by Cash

Pay through UPI

Pay through Net Banking & Digital Wallets

Pay through Debit Card, Master/Visa Card (Swipe to Pay)

Gold Loan can be availed for an amount as low as Rs. 2000 and there is no maximum upper limit for the same. We offer maximum value against your gold pledged.

Yes, you can avail gold loan as many times as you need or want. Multiple loans can be availed. There is no condition on no.of loans.

Everyone between the ages of 21-70 who possesses gold jewellery can avail the gold loan. You need to provide valid Identity proof and address proof to get the gold loan.

You can apply for a Gold Loan online or visiting our branch. In case you wish to understand more about the Gold loan, kindly visit any of our branches and talk in person with our Gold Loan Advisor. We are open from 9:30am to 6:30pm 6 days a week.




Rates & Schemes

Gold loan schemes are meticulously crafted to align with statutory principles, ensuring a secure and compliant avenue for your financial needs.
Unlock the value of your gold responsibly with our Gold Loans.

PFLS19R

  • Tenure for this scheme is 12 months
  • Insurance for pledged Gold ornaments is Free.
  • We offer this scheme at the lowest rate of interest of only 11.50% rebateable (if 100% rate of interest is paid monthly)
  • Processing fee of 0.50% of the loan amount

  • Tenure for this scheme is 12 months
  • Insurance for pledged Gold ornaments is Free.
  • We offer this scheme at an attractive interest rate of only 12% rebatebale,(if 100% interest rate is paid monthly).

  • Tenure for this scheme is 12 months
  • Insurance for pledged Gold ornaments is Free.
  • We offer this scheme at a rebatable interest rate of only 13.2%,( If 100% interest rate is paid monthly).

  • Tenure for this scheme is 12 months
  • Insurance for pledged Gold ornaments is Free.
  • Low Interest rate of only 13.56%, (If interest is paid monthly).

  • Tenure for this scheme is 12 months
  • Insurance for pledged Gold ornaments is Free.
  • Low Interest rate of 14.4%,( If interest is paid monthly)

  • Tenure for this scheme is 12 months
  • Insurance for pledged Gold ornaments is Free.
  • Low Interest rate of 14.64%,(On monthly Payment of Interest).

Shakti Gold Loan NEW R

  • Tenure for this scheme is 12 months
  • Insurance for pledged Gold ornaments is Free.
  • Interest rate of 15.5%,(If interest is paid monthly)

  • Tenure for this scheme is 12 months
  • Insurance for pledged Gold ornaments is Free.
  • Interest rate of 18%,(If interest is paid monthly).

  • Tenure for this scheme is 12 months
  • Insurance for pledged Gold ornaments is Free.
  • Interest rate of 18%,(If Interest is paid quarterly)

  • Tenure for this scheme is 12 months
  • Insurance for pledged Gold ornaments is Free.
  • Interest rate of only 20% (If Interest is paid Quarterly).

  • Tenure for this scheme is 12 months
  • Insurance for pledged Gold ornaments is Free.
  • Interest rate of only 24% (On payment of Interest Monthly)
  • Highest Loan Value offered

Charges On Gold Loans

Sr. No. Type of Charges Applicable Charge
1 Tenure Expiry Charge 2% (P.a) of Loan amount calculated on the number days after expiry of loan
2 SMS charges applied at the end the time closure of Loan Rs.13/-
3 Loan Closure Charge Rs.100/-
4 Convenience Charge at the time of closure of loan Rs.4.72/-
5 Notice Charges Rs.50/-
6 Processing Fee 0.50% of Loan Amount (applicable in select Schemes)

Auction Charges

Sr. No. Type of Charges Applicable Charge
1 Printing & Stationary Charges Rs.150/- Per Loan
2 Advertisement Charges Rs.200/- Per Loan
3 Auctioneer Charges 0.327% of the Bid Amount
4 Other Charges - Transportation, recovery
and other auction related work		 0.4% of the Outstanding Amount

With You, Virtually. Near You, Physically.

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PML House, SCO 829-830,
Sector 22-A, Chandigarh

Call Us

1800 137 1333

Email at

info@paulfincap.com

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