Perambur, Chennai
Gold Loan in Perambur, Chennai
Disha Gold is a licensed financial partner based in Shanthi Nagar, Jamaliya Nagar, Perambur, Chennai — offering instant Gold Loans, Cash for Gold, and Pension Loans to the local community since 2015, with transparent rates and same-day processing.
Gold Loan in Chennai
Pledge your gold jewellery and walk out with cash the same day. Loans are based on your gold’s pledging rate, not the higher market rate — see today’s exact figure on our Live Rates page.
- Loan up to 85% of your gold’s value
- Interest from 12% per annum
- Flexible repayment: 3 to 12 months
- Renewal and top-up available
- BIS-standard purity testing
- Transparent electronic weighing
- Gold stored in an insured, bank-grade vault
- Same-day cash disbursement
Best Cash for Gold in Chennai
Selling gold outright is different from pledging it — cash-for-gold is priced close to the live market rate, not the lower pledging rate used for loans, since you’re selling the gold rather than borrowing against it.
- Best price for 916 & 750 purity gold
- Instant payment on the spot
- Free BIS-standard purity testing
- Transparent electronic weighing
- Old, broken, or unused jewellery accepted
Pension Loan in Chennai
No gold? No problem. Government pensioners can borrow against their pension book alone.
- Collateral-free — your pension book is the only security
- No gold or property required
- Disbursement in as little as 30 minutes
- Minimal documentation
- Flexible repayment: 10 to 20 months
- Available to all eligible government pensioners
Gold Loan vs Pension Loan — Which Is Right for You?
| Gold Loan | Pension Loan | |
|---|---|---|
| What you need | Gold jewellery | Pension book |
| Speed | Same-day disbursement | As little as 30 minutes |
| Repayment tenure | 3 to 12 months | 10 to 20 months |
| Interest | From 12% p.a. | Minimal documentation, flexible terms |
| Best for | Anyone with idle gold jewellery | Government pensioners with no gold to pledge |
Frequently Asked Questions
How much loan can I get for my gold in Chennai?
Disha Gold lends up to 85% of your gold's value, based on the day's pledging rate for its purity (22K or 18K) — not the retail market rate. Pledging rates change daily, so check today's exact per-gram rate on our Live Rates page before you visit.
What is the gold loan interest rate in Chennai?
Interest starts from 12% per annum, with flexible repayment over 3 to 12 months, plus renewal and top-up options if you need more time or more cash later.
Is my gold safe when I pledge it?
Yes. Every item is tested for purity to BIS standards and weighed on transparent electronic scales in front of you, then stored in an insured, bank-grade vault for the full loan tenure.
What documents do I need for a gold loan or pension loan?
Just standard KYC — Aadhaar, PAN, and a passport-size photo. The same documents work for both a Gold Loan and a Pension Loan, no extra paperwork required.
Should I take a gold loan or a pension loan?
It depends on what you have available as security. A Gold Loan needs gold jewellery and pays out the same day; a Pension Loan needs no gold at all, just your pension book, and can disburse in as little as 30 minutes. See the comparison below for a side-by-side.
How fast can I get a pension loan disbursed?
As little as 30 minutes from application, with minimal documentation, for any eligible government pensioner.
How do I take a gold loan at Disha Gold?
Bring your gold jewellery along with Aadhaar, PAN, and a passport-size photo. We test purity to BIS standards and weigh it on a transparent electronic scale on the spot, give you an instant loan offer of up to 85% of its value at 12% p.a., and disburse cash the same day once you accept.