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OUR SchemeS


Gold Loan

Let the gold add glitter to your life. Unlock the value of your gold while you continue to own it.
KAMLA NIDHI Mutaul Benefit India Nidhi Ltd designed to provide liquidity against gold and gold Jewelers without having to sell them. Let your gold help you bring the golden period in life...s


Features & Benefits-

  1. Avail Loan upto Rs. 2,00,000 & upto 85% of value
  2. Hassle-free quick processing of loans
  3. Minimum documentation and quick disbursal
  4. Simplified Paperwork.
  5. Easy Payment options.
  6. ATL - Anytime Liquidity
  7. No EMI, Service only Interest and enjoy the Loan facility

Terms & Conditions:-

  1. The rate of interest will be @ 18% per year or as applicable from time to time as perscribed by the Com. Act 2013
  2. Avail loan amount ranging from Rs. 1000 to Rs. 2, 00,000.
  3. The valuation of the gold ornaments will be done by Kamla Nidhi through authorized value, and the cost of valuation will be borne by borrower.
  4. Two colored photographs of gold ornaments are required.
  5. Two colored photographs of borrower and his/her ID proof are required.
  6. The loan interest will be paid on monthly basis.
  7. In case of nonpayment of interest for 12 months, the Gold ornaments will be sold by Kamla Nidhi.
  8. The expenditure on sale of Gold ornaments plus due loan amount and 5% penalty rest on due amount interest will be deducted and balance amount will be deposited in to loan account.
  9. The borrower has to provide an affidavit declaring the ownership of the ornaments.
  10. In case the borrower does not pay the interest a penalty of 5% has to be paid along with next interest installment.
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