TRUSTED PARTNERS

About us

Mahalaxmi Finance with a motive of bringing a revolution to gold loan transactions for more safe and secure integration, was incorporated in 2021
Our transparent lending process and prompt customer service make Mahalaxmi one of the most convenient online gold loan companies in India. With our hassle-free approach, all your documents will be processed immediately and you will receive a gold loan in under 24 hours. At Mahalaxmi, we make sure that your personalised data receives the utmost discretion and is well always protected. We also store your gold in partner banks to ensure the highest level of safety.
As a company focused on gold loans, Mahalaxmi was prone to concentration risk. Financial sector regulators in India have been expressing concern over the concentration risk inherent in the mono-line business model. To assuage their concerns, the company initiated bold moves to become a multi-product company.
At Mahalaxmi Finance, we understand that life can throw us curveballs. That is why we offer gold loans to help you get through tough times. Our loans are quick and easy to get, and you can use the money for anything you need, from unexpected expenses to consolidating debt.

18 Crore +

Current Portfolio

500+

Customer Base

95%

Customer Retention

3

Gold Loan Branch

Why choose Mahalaxmi Finance?

WE ARE HERE

Hassle-Free Online Repayments

Mahalaxmi Finance offers hassle-free online repayments for your gold loan. You can make your repayments through our secure online portal, or through our mobile app. We also offer the option of automatic repayments, so you can set it and forget it.
FAST FUNDING

Part Release & Full Release of Gold at Your Doorstep

Mahalaxmi Finance offers part release and full release of gold at your doorstep. This means that you can get the cash you need without having to travel to our branch. We will send a representative to your home or office to collect your gold and release the cash to you.
MULTIPLE PAYMENT

High Loan Amount for Your Gold

Mahalaxmi Finance offers a high loan amount for your gold. We will lend you up to 90% of the value of your gold. This means that you can get the cash you need without having to sell your gold.
If you are looking for a reliable and convenient way to get a gold loan, Mahalaxmi Finance is the perfect choice for you. Contact us today to learn more about our gold loan services.
Steps to Avail

STEPS TO GET A GOLD LOAN

Mahalaxmi Finance Gold loan lets you avail of all the features and services with easy and understandable steps.

Click on AVAIL NOW button on the home page.

1

Please choose between our Home Service option or our Branch Service option.

2

An authorized person will visit your home or you can visit nearby Branch.

3

Simple process in-house gold valuation

3

You can get gold loan amount in your account or in cash within 30 minutes.

4

Our Services

We offer a variety of gold loan services to meet the needs of our customers. These services include:

Easy Application Process

Flexible Repayment Terms

Convenient Online Application

Experienced Loan Officers

Competitive Interest Rates

faqs

A gold loan is a type of secured loan that uses gold as collateral. The loan amount is typically based on the value of the gold, and the borrower can repay the loan over a period of time with interest.
Anyone who owns gold can get a gold loan. There are no credit checks or income requirements, so even if you have bad credit, you may still be able to get a loan.
The amount of money you can borrow depends on the value of your gold. You can usually borrow up to 85% of the value of your gold, but this may vary depending on the lender.
Other brands usually go highest up to 75%, but our amount is much higher compared to market 85% to 90%.
The repayment period for a gold loan can vary from one lender to another. However, most lenders offer repayment periods of up to 12 months
The interest rates on gold loans are typically lower than the interest rates on other types of loans, such as personal loans or credit cards. The lowest Interest rate in the Gold Loan industry: we are providing gold loans @ 6% P.A. The highest rate of per gram gold finance: 4500 Per Gram
There are usually some fees associated with gold loans, such as an origination fee and an appraisal fee. The fees can vary depending on the lender. At Mahalaxmi Finance we have our processing fee as 0.20%
To get a gold loan, you will need to provide the lender with some basic information, such as your name, address, and proof of identification. You will also need to provide the lender with a copy of your gold jewellery.
Once you have submitted your application, the lender will appraise your gold and then issue you a loan. The loan amount will be deposited into your bank account within a few days.
There are several benefits to getting a gold loan, including:
  • Quick and easy approval
  • No credit checks or income requirements
  • Competitive interest rates
  • Flexible repayment terms
There are some risks associated with getting a gold loan, including:
  • You could lose your gold if you default on the loan
  • The interest rates on gold loans can be high
  • You may have to pay additional fees
If you are considering getting a gold loan, it is important to weigh the benefits and risks carefully. You should also make sure to compare interest rates and fees from different lenders before you choose a loan.
As part of our core business, we provide business loans secured by gold jewellery or gold loans. We primarily cater to individuals who possess gold jewellery but cannot access formal credit within a reasonable time, or for whom credit may not be available at all. We help our customers meet unanticipated or other short-term liquidity requirements.
Our experience and expertise inspire trust and customer loyalty. Our core banking solution connects all branches to a central server on a real-time basis. This ensures enhanced control, scalability, and faster response to meet the evolving needs of our customers.
You can fill in the information through the online form to avail Gold Loan from Mahalaxmi Finance, our team will call you to understand the requirement and guide you further.
CONTACT US ON

our BRANCH

Surat - Adajan

O.NO.124, The Galleria Shopping Hub,
Nr.Sanjeevkumar Auditorium,
Pal Surat-395009.

Surat - Hirabag [Varachha]

Shop No.4 ,Roman Point Hirabuag Circle,
Varacha Surat-395006.

Surat - Bardoli

Shop No.2, Shree Umiya Complex
Nr.Bhajap Nagar Karyalay,
Bardoli Dist.Surat-394601

support@mahalaxmi.finance

+91 63520 12638

BOOK AN APPOINTMENT

Appointments at your convenience

Contact Us
or call us at +91 63520 12638
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