FAQs

1. What is a gold loan and how does it work?

A gold loan is a secured loan where you pledge your gold jewellery or ornaments in return for instant cash. The amount you get depends on the purity and weight of the gold. Once you repay the loan, your gold is safely returned to you.

2. How much money can I get for my gold?

You can get up to 75–90% of the gold’s current market value. For example, if your gold is worth ₹1,00,000, you could receive up to ₹90,000 depending on purity and other factors.

3. Is my gold safe when I take a gold loan?

Absolutely. At Kandhavillas Fincorp, your gold is stored securely in a bank-grade vault and fully insured until you repay your loan.

4. What documents are needed for a gold loan?

You only need basic KYC documents like Aadhaar Card, PAN Card, and one recent photograph. It’s quick and easy.

5. What is an EMI and how is it calculated in gold loans?

EMI (Equated Monthly Instalment) includes part of the principal loan amount and the interest. It is calculated based on your loan amount, interest rate, and loan tenure. We provide flexible EMI options to suit your needs.

6. What is “1 paisa interest” in gold loans?

1 paisa interest” means interest charged as low as 1 paisa per ₹100 per day. It’s a very economical and transparent method that helps you save money, especially for short-term loans.

7. Do you offer loans for farmers or agriculture-related needs?

Yes. Our agriculture loans are tailored for farmers and rural entrepreneurs. These loans help you buy seeds, fertilizer, machinery, or even expand your land.

8. Why should I choose Kandhavillas Fincorp?

We are a local, trustworthy company that understands your needs. With quick processing, friendly staff, and flexible repayment options, we ensure your experience is smooth and stress-free.