Having an urgent need of cash, make the most of your idle gold with SKFS’s attractive gold loans. Get a loan in 45 minutes over the counter with minimal documentation and transparent charges.

SKFS Gold Loan provides loan against gold with same day loan disbursement. You can apply for Gold Loan and get quick approvals by visiting your nearest Branch. Find out more about the features & benefits of the Gold Loan.

We are using an advanced Karat Machine – Gold Analyser machine for assessing the jewel proposals for loan which would give us the correct valuation for the purpose of valuation of gold.

Purpose Granting of Loans to individuals against pledge of gold jewellery/ornaments for productive and consumption/domestic purposes.
Eligibility Applicant should be registered as a Member in SKFS. He should be the owner of the gold jewellery/ornaments proposed to be pledged. Loans can be granted only against 19 carat to 22 carat ornaments.
Documents needed to avail our jewel loan PAN card, Aadhar card and a passport size photo.
Repayment Period 12 months (365 days)
Rate of interest (ROI)
Type I 14%


Members are not allowed to close their term deposits within three months after opening them, as per Nidhi regulations.

Nidhi companies are permitted by Ministry of Corporate Affairs NOT to give any interest rates for term deposits for Six Months.

In this scenario, we encourage our members to take Loan Against Deposit. Members are allowed to borrow a maximum 80% of deposited value with an additional 2% of interest charges on deposit.

Members cannot pledge other banks’ or financial institutions’ deposit bonds. So, members can pledge only SKFS’s deposit bonds.
Minimum loan is Rs 5000/-
Get instant loan against your deposits
Avail 75 % of loan on Deposited amount

Rapid 36 is a secured loan offers benefits at lower interest rate and allows SKFS members to pay both Principal and Interest amount within 36 weeks.

Members are allowed to make payment based on Daily, Weekly, Fortnightly or Monthly. The rate of interest for 36 weeks period is 14% on equal daily installment basis.

Members are allowed to foreclose this loan, if it happened within 100 days, then the foreclosure charges will be Rs.2000/- + GST. To process this loan, Rs. 700/- + GST will be charged.