Explore Our Services
Quick loans, smart investments and personalised financial services to help you achieve your goals. Get instant approvals with minimal documentation.
Financial Solutions for Every Journey
Jammu Financiers is an RBI-regulated NBFC delivering financial solutions that are inclusive, reliable, and growth-oriented. We pair decades of local expertise with technology-driven processes, so every customer gets transparent pricing, quick decisions, and guidance shaped around their needs. We stand for trust, progress, and a future where finance works for everyone.
- RBI-Regulated NBFC
- Secure Vault Storage
- 30-Minute Disbursal
- Valuation In Front of You
- 25,000+Clients Served
Designed for Your Financial Peace of Mind
Explore how our customer-first gold loan services combine speed, security, and maximum value.
Instant Cash Disbursal in as little as 30 Minutes
Emergency financial needs shouldn't wait. Walk into our Thiruvananthapuram branch with your gold ornaments and walk out with instant cash credited directly to your bank account.
- Zero waiting period or hidden processing delays
- Direct bank wire transfer or instant cash option
- Flexible repayment tenures from 3 to 36 months
Valuation done right in front of the customer
Every gram of gold counts. Our trained evaluators inspect and weigh your gold transparently using state-of-the-art BIS approved precision scales.
- Valuation done right in front of you without melting
- Maximum Loan-To-Value (LTV) ratio up to 80%
- Accurate purity assessment for 22K, 20K, and 18K gold
RBI-Compliant High Security Vault Storage
We handle your precious jewelry with absolute care. Pledged gold is stored in high-security, electronic bank vaults backed by round-the-clock surveillance and full insurance.
- 100% insured against loss, burglary, or damage
- 24/7 CCTV monitoring & armed security protection
- Returned in exact original condition upon loan settlement
Minimal Paperwork with Zero Income Proof Required
We keep borrowing simple. Skip the credit score barriers, salary slips, or complex documentation required by traditional banks.
- Only 1 valid government ID (Aadhaar, PAN, Passport, DL)
- No CIBIL score or past credit history check required
- Fast track loan processing for instant approval
Customer Stories
The gold loan was disbursed instantly and repayment was hassle-free.
Ramesh Kumar
Kochin, Kerala
Gold Loan Calculator
Estimate your tentative maximum eligible loan amount in seconds based on your gold weight.
Ref. Gold Rate: ₹14,040/g
Note
- The estimated loan amount is arrived at by applying applicable LTV ratio on the ornament value based on the Reference Price. The Reference price for a specific purity of Gold shall be taken as the lower of (a) the average closing price for gold of that specific purity over the preceding 30 days, or (b) the closing price for gold of that specific purity on the preceding day, as published by the India Bullion and Jewellers Association Ltd.
- The estimated value shown by the Calculator here is based on 22 carat gold value. During actual assessment at Branches, for cases with lower purity, the value will be proportionately reduced.
- The applicable LTV will be as per regulatory guidelines from time to time.
- Details are approximate. The final eligible amount will be subject to appraisal at the branch & repayment capacity of the borrower. Visit your nearest Jammu Financiers branch for exact details.
Tentative Maximum Eligible Loan Amount
Based on 1g @ ₹14,040/g
*Indicative loan valuation. Final appraisal done at branch.
Frequently Asked Questions
Reach Us
With 17+ branches across Kerala and Tamil Nadu, we are always ready to cater to all your gold loan needs.
Corporate Office
TC 15/841(40), 2nd Floor, VC Meridian, Paruthipara Jn, Thiruvananthapuram-695025, Kerala
Helpline Contact
+91 88911 94333 (Available 24/7)
Email Us
helpdesk@jammufinanciers.com
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We never ask for your OTP, PIN, or passwords. Read our Caution Notice before making any payment.