New Delhi, June 2: DJT Microfinance one of India’s fastest growing NBFC-MFI has announced the launch of Gold Loan facility designed to provide quick and convenient access to secured credit for individuals and small businesses. The product is aimed at salaried professionals, self-employed individuals, traders, small business owners and MSMEs and will initially be available across Delhi NCR, Uttarakhand and Western Uttar Pradesh and Haryana strengthening DJT Microfinance’s portfolio of financial solutions tailored for underserved segments.
Customers can avail loans starting from ₹5,000 depending on eligibility and gold valuation. The loan approval and disbursement process is designed to be completed within 15 minutes, subject to verification of documents and collateral. DJT Microfinance is adopting a paperless digital process that requires minimal documentation.
Commenting on the launch, Avinash Kumar, COO, DJT Microfinance, said,
“Access to timely credit remains critical for individuals and small businesses managing household or working capital needs. Our gold loan offering provides a fast, transparent and secure way for customers to unlock liquidity against their gold assets while maintaining full regulatory compliance. By combining a digital process with robust security systems and flexible repayment options, we aim to deliver a reliable financing solution that meets the evolving needs of our customers.”
Borrowers will have flexible repayment options, including monthly interest payments with principal repayment at maturity, along with part-payment, foreclosure and top-up facilities as per company policy.
The Reserve Bank of India (RBI) has introduced a forward-looking regulatory framework titled “Lending Against Gold and Silver Collateral Directions, 2025,” set to take effect from April 1, 2026. Under the revised norms, the RBI has eased gold loan regulations by increasing the permissible Loan-to-Value (LTV) ratio to up to 85% for loans below ₹2.5 lakh, compared to the earlier 75%, with the aim of improving access to credit for small borrowers.
The launch of the gold loan product reflects DJT Microfinance’s continued focus on expanding accessible and responsible credit solutions for customers across North India, enabling them to meet personal and business financial requirements with speed and confidence.