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Gold Services in Detail

Our Services

Book, Deposit, and Borrow Against Gold

Explore complete details and FAQs for each VGold offering.

Gold Booking

Lock your gold rate today with interest-free EMI options from 12 to 60 months.

Gold Deposit

Deposit idle 24K gold and earn annual gold quantity growth with flexible withdrawal.

Gold Loan

Unlock funds through VGold Nidhi Ltd. while retaining ownership of your gold asset.

12-60Month EMI
Service 1

Gold Booking

Dive into the most exciting product in our portfolio. Secure gold over the years with interest-free EMIs. With a one-time processing fee and flexible EMI of 12/24/36/48 or 60 months, your first EMI and the processing fee of 2%-3% per gram are based on the tenure you choose.

Your golden future awaits. All you need to do is pay processing fees plus your first EMI amount today, and your gold rate is locked for your selected tenure. You can pay the balance amount in equal and easy EMIs over 12, 24, 36, 48, or 60 months.

You must pay your EMIs regularly. If you miss a payment, a late payment charge of INR 50 per gram per month is applicable. Once you complete your EMIs, your booked gold can be delivered physically from the jeweller of your choice across India. Pre-closing charge: INR 60 per gram per month for remaining tenure. You also have an option to convert delivery into cash.

FAQs

Gold Booking Questions

Are there any hidden charges now or at the delivery?
No, there are no additional charges apart from the booking amount paid and the scheduled EMIs. There are no charges for bank transfers. However, if you opt for physical gold delivery, GST and other government charges may apply as per state law.
Do I need to pay anything in case the gold rate increases/decreases?
No, VGold Ltd. offers a price lock facility with interest-free EMIs. The price, gold weight, and purity are fixed/locked at the time of booking.
What is the security for my gold?
VGold Ltd. is a limited company under ROC, Pune since 2011. We provide a booking receipt and legal agreement after your booking, along with a receipt for every EMI paid.
How can I add a nominee for my booking account?
You must add a nominee for your account at the time of booking, as it is a mandatory requirement for the booking agreement.
How and when can I receive my gold?
Upon completing all your EMIs, you can receive the delivery of your gold from your chosen vendor or shop anywhere in India. Alternatively, you can transfer the maturity amount to your bank account on the maturity date.
Can I pre-close the account?
Yes, you can close the account after 6 months from the booking date by paying a preclosure charge of INR 60.00 per gram along with the total pending EMIs. After 48 working hours from preclosure, you can either receive the gold delivery or have the maturity amount transferred to your bank account.
Can I change my maturity date or pre-close my booking account?
No, the maturity date is fixed at the time of booking and cannot be changed during pre-EMI payments.
How can I pay my Monthly EMI?
You can pay your monthly EMI through bank transfer, UPI, NEFT, RTGS, or IMPS on or before the 15th of every month. There is a grace period until the 28th of the month, after which a penalty of INR 50.00 per gram per month will be applied.
Can I get a cash loan on the gold booking?
Yes, once your paid EMI amount exceeds INR 50,000, you can check your loan eligibility on our app or website and apply for the loan. The interest rate on the loan is as low as 12% per annum.
Service 2

Gold Deposit

Deposit your idle 24K 99.5% purity gold and watch it grow with 4% gold quantity increase per annum. You can deposit idle 24K 99.5% purity gold (Vedhani/Biscuit) and earn yearly quantity growth.

This service includes a mandatory lock-in period of 3 months, and after that you can withdraw anytime with pro-rata quantity increment. Processing fee of INR 225 per gram is applicable at time of deposit.

It is designed to make idle gold productive while preserving flexibility.

4%Per Annum
FAQs

Gold Deposit Questions

Can I deposit Jewish arnoments?
No, Vighnaharta Gold Ltd. accepts only 99.5% pure gold in the form of gold vedhani or biscuits.
Can I deposit cash equivalent to today's gold price?
Yes, in case you do not have physical gold and still want to take advantage of our gold deposit scheme, you can deposit the cash value equivalent to the gold rate by NEFT, RTGS/IMPS, UPI, or bank transfer. A bank cash deposit will be acceptable after consent is obtained from our office authority.
What is the minimum and maximum gold weight I can deposit?
You can make a gold deposit or the cash value equivalent of a minimum 10 grams of 99.5% pure gold. There is no maximum limit for deposits.
Do I need to submit the physical gold to the Vighnaharta Gold Ltd. office?
You can drop your gold at the Vighnaharta Gold Ltd. office personally and start the agreement process.
or
You can deposit the gold with our associated jewelers in your area. For a list of jewlers, you can check our website or contact us on +91 7448200440.
What are the documents required for a gold deposit?
You need to submit the KYC documents (PAN card and Aadhar card) along with your gold deposit. We do not need your financial documents for a gold deposit.
How can I nominate a nominee for my deposit?
At the time of deposit, nominee details are mandatory with nominee's KYC documents.
After the maturity of the gold deposit, can I re-deposit it?
Yes, you can continue your deposit for N number of years without any redeposit charges with your increased gold weight and get compound interest on the deposit.
How can I get delivery after maturity?
After maturity, you can take physical gold of maturity weight from your preferred jeweler across India or get the amount bank transferred into your account equivalent to your gold maturity weight as per gold rate at the time of maturity.
Do I need to pay any charges at the time of maturity?
No, Vighnaharta Gold Ltd. does not take any charges for gold deposit maturity. You may need to pay the government duties or taxes as per the state laws at the time of maturity.
Can I withdraw the deposit at any time?
There is a 90-day locking period for gold deposits from the deposit date. After first 90 days, you may withdraw the gold at any time. The earnings will vary as per the no. of days the deposit remains with Vighnaharta Gold Ltd.
Here are the earnings as per the deposit days
91 days to 180 days :- Deposited Gold Weight + 2% gold weight per annum on pro-database
180 days to 364 days :- Deposited weight + 3% gold weight per annum on pro-database
After 365 days :- Deposited weight + 4% per annum
Can I obtain a cash loan on my gold deposit?
Yes, you are eligible to take loan amount equivalent to 80% of your gold deposit value any time after the gold deposit from our associated company, Vighnaharta Gold Nidhi Ltd. For detailed terms and conditions
0-7%Effective P.A.
Service 3

Gold Loan

If you are looking to access funds using your gold, explore Gold Loan through sister company VGold Nidhi Ltd. With an effective rate of 0% to 7% p.a., you can leverage gold value without selling it.

Your gold remains a powerful asset to support business, education, or urgent financial requirements. With VGold Nidhi Ltd., you can access liquidity while retaining ownership.

FAQs

Gold Loan Questions

Can we get gold loan on jewish arnoments?
No, VGold Nidhi Ltd. can provide 80% loan amount on 99.5% of pure gold in the form of vedhani or biscuit as per the gold rate of the date.
What is the disbursement process?
The loan will be disbursed within 48 working hours after completing the process. The process includes below points

A. Hand over the 99.5% Pure Gold to VGold Nidhi Ltd. office or with consent from the VGold Nidhi Ltd. office authorities, you can hand over the gold with authorized gold partner recommended by VGold Nidhi Ltd.
B. Be a member of VGold Nidhi Ltd.
Register as a member with VGold Nidhi Ltd. by paying INR 2100.
INR 1000 as minimum balance in your savings account & you'll earn a 4% annual interest on this balance.
INR 1000 as a Share Holder which pays you 15% dividend P.A. &
INR 100 as an Administration Fees
C. Purchase share with VGold Nidhi Ltd.You're required to purchase shares in VGold Nidhi Ltd. by paying another INR 1000, entitling you to receive yearly dividends.
D. Paying Administrative ChargesFurthermore, there's an administrative charge of INR 100.00 for your loan account which has to be paid to VGold Nidhi bank account.
Which documents will be required for gold loan?
As a borrower, it is mandatory to sign the physical loan agreement with VGold Nidhi Ltd. during the loan disbursal process. Additionally, you must provide your KYC documents, such as your PAN card and Aadhar Card. Notably, VGold Nidhi Ltd. does not ask for any financial documents from borrowers.
Does the gold loan required any guarantor or guaranty?
No, VGold Nidhi Ltd provides the loan against your 99.5% pure gold value.
Do I have yo pay any processing fees for gold loan?
To obtain the loan, you need to register as a member with VGold Nidhi Ltd. by paying INR 1000. This amount serves as the minimum balance for your savings account with VGold Nidhi Ltd., and you'll earn a 4% annual interest on this balance. Additionally, you're required to purchase shares in VGold Nidhi Ltd. by paying another INR 1000, entitling you to receive yearly dividends. Furthermore, there's an administrative charge of INR 100.00 for your loan account. In total, as a new customer of VGold Nidhi Ltd., you'll need to pay a one-time non-refundable fee of INR 2100 to VGold Nidhi Ltd.'s bank account.
Can I borrow more loan on my existing loan?
Certainly, you can borrow an additional amount on your existing loan. The amount you can borrow depends on your past payments for the gold loan and the current value of your gold. Upon assessment, you can receive the updated loan amount promptly.
How can I pay the EMI of the loan?
You have the option to pay your monthly interest through NEFT/RTGS/UPI or bank transfer on or before the loan acquisition date each month. Additionally, you can make payments exceeding the interest amount, which will be adjusted towards your principal balance. Failure to pay the interst amout by the 30th incurs penalty charges per day basis.
How can I obtain the gold return?
You can settle the outstanding principal amount along with pending interest or penalty charges and close the account any point following three months from the opening date. 48 hours after close the account you can receive the gold return by either opting for gold delivery from a jeweller of your choice anywhere in India or by having the equivalent amount transferred to your bank account.
When can I close the gold loan account?
You can terminate/close the gold loan account at any point following three months from its opening date. Closing the account will not have any additional charges or fees. However, you must settle the outstanding principal amount along with pending interest or penalty charges if any when closing the account.

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