ID
Identity proof
Aadhaar, PAN, passport or another accepted identity document.
Gold loans
1-year gold loans built around branch verification.
Convert eligible gold jewellery, coins or bullion into short-term liquidity after counter appraisal, documentation and approval.
Loan structure
What the gold loan includes
K.T. Capital provides gold loans on a one-year term. The final loan amount depends on purity, net weight, daily valuation policy, ownership verification and applicable law.
- Branch-level purity and weight verification.
- Indicative estimate before physical appraisal.
- Clear documentation of customer and pledged asset details.
- Redemption of pledged gold after repayment according to agreed terms.
Important: This website does not approve, sanction or disburse loans online. Visit a branch for final appraisal and documentation.
What to bring
Documents and information for branch visit
Requirements may vary by case. Carry original documents and any supporting proof for ownership of pledged items.
AD
Address proof
Address verification document such as Aadhaar, voter ID or utility record.
PH
Photo
Recent passport-size photograph if requested at the branch.
AU
Gold details
Information about ownership or purchase details if applicable.
Eligible assets
Gold accepted for appraisal
| Asset type | Branch check | Notes |
|---|---|---|
| Gold jewellery | Purity, net weight, stones, wax and condition. | Most common asset type. Final deductions depend on physical item. |
| Coins or bullion | Purity mark, ownership details and market valuation. | May require additional documentation. |
| Items with stones or mixed materials | Net gold calculation after deductions. | Loan value is based on estimated gold content, not gross ornament weight. |