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  • Soulful Nidhi  Gold loan (also called loan against gold) is a secured loan taken by the borrower from a Soulful Nidhi  by pledging their gold articles (within a range of 18-24 carats) as collateral. The loan amount provided is a certain percentage of the gold, typically upto 90%, based on the current market value and quality of gold.
  • No CIBIL score needed for this type of Loan
  • Its affordable and worry free with Soulful Nidhi Limited
  • Hassle-free process and minimum documentation
  • 3 Month to 12 Month tenure, with Rs 4000 to 2 lakhs Loan Amount
  • Renewal facility available
  • Mode of Payment Cash/Online/Cheque
  • Unlock Potential with the Power of Soulful Nidhi Limited Gold Loan


  • Applicant to visit Soulful Nidhi  Head office or Branch office situated at service area with Gold Articles for Valuation
  • Pre Loan Sanction Letter issued for borrower approval
  • App download – An applicant is asked to first download ourSoulful Nidhi mobile app and register with mobile number linked to Aadhaar Card. In order to complete the registration process, an applicant is also required to provide PAN card number and email id along with details of 3 references.
  • Verify – We ask applicants to provide 3 references to verify the authenticity, which is to ensure that we built a family of genuine customers.
  • Registration – Once the verification is completed, an applicant is then asked to visit at Soulful Nidhi Limited Office to further process the loan application.
  • Documentation – On completing the registration process, an applicant can go ahead with the document submission.
  • Disbursement – When the documents are submitted and verified, loan amount is disbursed to the applicant’s bank account the same day.
  • Disbursement – When the documents are submitted and verified, loan amount is disbursed to the applicant’s bank account the same day.

Fees and charges:

  • One time registration charges – Rs. 100
  • Interest rate – 0%, 1% and 2.03% per month flat
  • Processing fee subject to loan amount and tenure(Min Rs 300)
  • Loan Insurance facility @ 0.5% of Loan Amount
  • Cheque/ECS bounce charges – Rs. 500+GST
  • Over due charges Rs 600
  • Overdue interest 3.5% to 5.5% per month till closure or auction
  • Pre closure charges – 1% of outstanding principal amount
  • Renewal charges – 1% + Processing Fees
  • Recovery charges – Rs. 1000

Eligibility criteria:

  • An applicant should be an Indian citizen, residing in the same city as Soulful Nidhi Limited office.
  • He or she should be aged above 18 years; while upper age bracket is of 60 years.
  • He or she should have a stable source of income (no income proof required for loan up to Rs. 25000)
  • No Credit score check required

Documents required:

  • A copy of identity and address proof (Aadhaar Card/ Voter ID/ Ration Card)
  • A copy of PAN card
  • Two passport size photographs
  • A copy of income proof
  • Updated Bank statement for last 6 month.