Our gold loan starts at 9% interest, one of the most competitive rates in Kerala. The exact rate depends on loan amount and tenure selected.
Phone No:
+91 81298 98898
Trusted by 10,000+ Customers Across Kerala
Unlock the value of your gold jewelry with Octal Finance's hassle-free gold loans. Get instant cash within 30 minutes with the lowest interest rates in Kerala.
Our skilled team manages administrative tasks, technical support, and daily operations to ensure your business runs smoothly.
Gold Loans Disbursed
Crores Disbursed
Branches in Kerala
Happy Customers
Fastest Approval (Minutes)
Interest Rate (%)
Octal Finance offers a range of loan products designed to meet your personal and business financial requirements with competitive interest rates and minimal documentation.
Visit any Octal Finance branch with your gold jewelry and ID proof. No appointment needed.
1
Our certified appraiser will check purity and weight, then provide fair market valuation instantly.
2
Sign the agreement and receive cash or bank transfer within 30 minutes. Your gold stays secure in our locker.
4Your gold is stored in bank-grade lockers with 24/7 security and insurance coverage
Transparent pricing with clear interest rates. Only pay what's agreed - no processing fees
Choose from 3, 6, 12, 24, or 36-month tenure. Prepayment allowed without penalty
Don't sell your precious family jewelry. Get cash while retaining ownership with our loans
Need more funds? Get additional loan on same gold without closing existing loan
Renew your gold loan quickly with simple formalities and continue enjoying uninterrupted access to funds.
"Needed urgent funds for medical emergency. Octal Finance processed my gold loan in just 20 minutes. The 9% interest rate was the best I could find in Kerala!"
"Very transparent process. They valued my 22K gold fairly and gave me 75% of market value. No hidden charges at all. Highly recommended for gold loans!"
"I've taken gold loans from many places, but Octal Finance is the best. Staff is respectful, interest rate is lowest, and my gold is stored securely."
"Got Rs 2 lakhs against my gold jewelry for my daughter's wedding. The flexible repayment option helped me pay back comfortably over 18 months."
"Best decision to pledge gold instead of selling it. Got the cash I needed for business expansion at just 9% interest. Thank you Octal Finance!"
"Very professional service. They explained everything clearly and gave me a fair valuation. Got my loan approved in 30 minutes!"
"Needed urgent funds for medical emergency. Octal Finance processed my gold loan in just 20 minutes. The 9% interest rate was the best I could find in Kerala!"
"Very transparent process. They valued my 22K gold fairly and gave me 75% of market value. No hidden charges at all. Highly recommended for gold loans!"
"I've taken gold loans from many places, but Octal Finance is the best. Staff is respectful, interest rate is lowest, and my gold is stored securely."
"Got Rs 2 lakhs against my gold jewelry for my daughter's wedding. The flexible repayment option helped me pay back comfortably over 18 months."
"Best decision to pledge gold instead of selling it. Got the cash I needed for business expansion at just 9% interest. Thank you Octal Finance!"
"Very professional service. They explained everything clearly and gave me a fair valuation. Got my loan approved in 30 minutes!"
"Needed Rs 3 lakhs urgently for medical treatment. Octal Finance gave me gold loan approval in 25 minutes with lowest interest rate. Very grateful for their quick service!"
"I compared gold loan rates from 5 different NBFCs. Octal Finance offered 9% which was the lowest, plus no processing fee. Got Rs 5 lakhs for business needs hassle-free!"
Our gold loan starts at 9% interest, one of the most competitive rates in Kerala. The exact rate depends on loan amount and tenure selected.
Most gold loans are approved within 30 minutes after valuation and basic verification. You can receive cash or bank transfer on the same visit.
You can get up to 75% of your gold's current market value, based on purity and weight. Our certified appraisers provide fair and transparent valuation.
You only need basic KYC documents such as Aadhaar, PAN, or any valid government ID, along with your gold jewelry. Income proof is generally not required.
Yes. Your gold is stored in insured, bank-grade lockers with strict security controls. It remains safe until your loan is fully repaid and released.
Absolutely. You can repay partially, fully, or pre-close your gold loan anytime. We also offer flexible tenure options so you can choose what fits your cash flow.
Satisfied Customers
Branches Across Kerala
Gold Loan Guide
Learn how jewel purity, net weight, and daily gold market rates affect your eligible loan amount. This guide helps you prepare before visiting a branch.
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Repayment Tips
Discover simple repayment strategies, part-payment tips, and tenure planning methods that help you reduce total interest and close your gold loan early.
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Eligibility Guide
A quick checklist covering KYC documents, gold purity expectations, valuation readiness, and repayment planning so your loan process is smooth and fast.
Continue Reading16/606-5, 1st Floor, JAMS Arcade, Thrissur Road, Kanippayyur P.O, Kunnamkulam, Kerala 680517
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