Need funds without selling your silver? With Dhanya Gold, you can explore a loan against eligible silver jewellery, ornaments and other accepted silver articles, with funding of up to 75% of the eligible silver value and an advertised interest rate starting at 1.48% per month, subject to the applicable scheme terms.
Whether you need funds for business working capital, shop expenses, household requirements or an unexpected financial need, a silver loan can help you unlock the value of your silver while retaining the possibility of getting it back after repayment.
If you are searching for a Silver Loan in Delhi, Dhanya Gold offers a branch-based process for silver assessment, valuation and loan applications.
What Is a Silver Loan?
A silver loan, also known as a loan against silver, is a secured loan in which eligible silver articles are pledged as collateral.
Instead of selling your silver, you can use its eligible assessed value to obtain financing. After repaying the outstanding loan and applicable charges according to the loan agreement, your pledged silver can be released.
At Dhanya Gold, customers can enquire about eligible silver articles, the valuation process, applicable interest rates and available loan options.
Get Up to 75% LTV Funding on Your Silver
One of the key factors when choosing a silver loan is the amount you can borrow against your silver.
Dhanya Gold offers up to 75% LTV funding, subject to valuation, eligibility, the applicable loan scheme and regulatory requirements.
LTV stands for Loan-to-Value. It represents the loan amount in relation to the eligible value of the pledged collateral.
Example: How Much Can You Get Against Your Silver?
Suppose the eligible assessed value of your silver is ₹1,00,000.
| Particulars | Amount |
|---|---|
| Eligible silver value | ₹1,00,000 |
| Illustrative LTV | 75% |
| Illustrative loan amount | ₹75,000 |
This example is for illustration only. Your actual loan amount will depend on the assessed value of your silver, the applicable LTV limit, outstanding dues where relevant, and the terms of the loan.
Silver Loan at Just 1.48% Per Month
Interest rate is an important consideration when choosing a loan.
With Dhanya Gold's advertised starting rate of 1.48% per month, eligible customers can enquire about financing against silver under the applicable scheme.
Before applying, make sure you understand the interest calculation method, repayment schedule, processing fees and any other applicable charges.
For illustration, interest at 1.48% per month on a principal amount of ₹50,000 would be ₹740 for one month, assuming the full principal remains outstanding for that month and no other charges apply.
Actual interest payable depends on the loan agreement, repayment structure and applicable charges. The advertised monthly rate is equivalent to a simple annualised rate of 17.76%, before fees and other costs.
Why Choose a Silver Loan from Dhanya Gold?
1. Access Funds Without Selling Your Silver
Pledge eligible silver to meet your financial needs instead of selling it immediately.
2. Funding Based on Silver Valuation
Your eligible loan amount is determined using the applicable valuation methodology and lending criteria.
3. Transparent Testing and Valuation
Understand the weight, purity and eligible value used to assess your silver before accepting the loan.
4. Convenient Branch-Based Process
Visit the Dhanya Gold branch to enquire about silver testing, documentation, loan eligibility and applicable terms.
5. Clear Repayment Terms
Review the interest rate, applicable charges, repayment schedule and conditions for releasing your silver before signing the loan agreement.
Which Silver Articles Can Be Considered?
Depending on the applicable scheme and eligibility criteria, the following articles may be considered:
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Silver jewellery and ornaments
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Silver utensils
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Eligible silver coins
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Other accepted silver articles
Acceptance depends on the article type, purity, valuation, applicable regulations and company policy. Not every silver item will necessarily qualify.
How to Apply for a Silver Loan at Dhanya Gold
The application process generally involves the following steps:
Step 1: Visit the branch. Bring the silver articles you wish to pledge.
Step 2: Complete silver assessment. Your silver will be examined and valued according to the applicable process.
Step 3: Complete KYC. Provide the identity and other documents required for the loan.
Step 4: Review the offer. Confirm the sanctioned amount, interest rate, fees and repayment terms.
Step 5: Complete the loan documentation. If you accept the terms and satisfy the eligibility requirements, the loan can proceed to approval and disbursement.
Step 6: Repay and release your silver. Repay the loan according to the agreement and follow the prescribed process to collect your pledged silver.
Processing time and approval depend on the required checks and documentation.
Silver Loan in Delhi – Visit Dhanya Gold
Looking for a silver loan in Delhi? Visit the Dhanya Gold branch to learn more about the available loan options.
Dhanya Gold – Gold & Silver Loan
A6, Basement, Next to Croma
Main 100 Feet Road, North Chhajupur
Delhi – 110094
Call: 8800902222
Our team can help you understand the silver valuation process, eligible loan amount, applicable interest rate and documentation requirements.
Frequently Asked Questions
What is the maximum LTV offered on a silver loan at Dhanya Gold?
The advertised scheme offers funding of up to 75% LTV, subject to eligible collateral valuation, loan eligibility, the applicable scheme and regulatory limits.
What is the interest rate for a silver loan at Dhanya Gold?
The advertised starting interest rate is 1.48% per month, subject to applicable scheme terms. Confirm the rate, fees and total repayment amount before taking the loan.
Can I get a loan against silver utensils?
Eligible silver utensils may be considered, depending on their purity, valuation and the applicable lending criteria.
Is a silver loan better than selling silver?
A silver loan allows you to pledge eligible silver rather than selling it immediately. However, it creates a repayment obligation and interest cost. Consider your repayment capacity before borrowing.
What documents are required?
KYC documents and other information required under the applicable loan process may be requested. Confirm the current requirements with the Dhanya Gold branch.
Where can I apply for a silver loan in Delhi?
You can visit Dhanya Gold at A6, Basement, Next to Croma, Main 100 Feet Road, North Chhajupur, Delhi – 110094, or call 8800902222.
Unlock the Value of Your Silver with Dhanya Gold
Your silver may be more than a valuable possession—it may also help meet a financial requirement when used as eligible collateral.
Explore a Silver Loan with up to 75% LTV funding at an advertised starting interest rate of 1.48% per month with Dhanya Gold, subject to applicable terms and eligibility.
Visit our North Chhajupur branch or call us to learn more.
Dhanya Gold – Gold & Silver Loan
Disclaimer: All loan amounts, interest rates, LTV figures, eligibility criteria and charges are subject to applicable laws and regulatory requirements, collateral valuation, credit assessment where applicable, and the prevailing loan scheme. The 75% LTV and 1.48% monthly rate are not guaranteed for every customer. Review the applicable loan agreement and total borrowing cost before accepting an offer.
