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Know Your Loan
Eligibility in Seconds
Get an instant estimate against your silver. Enter weight and purity — we handle the math with live MCX rates.
Indicative estimate only. Final eligibility subject to XRF purity test and applicable lending policies.
Because Every Gram
Deserves the Right Value
Accurate XRF Valuation
Advanced XRF technology checks purity without any damage — scientific, transparent, and instant.
Maximum Loan Value
Fair valuation unlocks the highest eligible loan amount — up to 75% of current market value.
Quick Loan Approval
Simple process, minimal paperwork, faster approvals. Get funds the same day.
Safe & Secure Storage
Your pledged silver is securely packed and stored in insured vaults until repayment.
Transparent Pricing
No hidden charges. No surprises. Every detail explained clearly before you sign.
RBI Licensed NBFC
Regulated by the Reserve Bank of India. Your silver and finances are in safe, trusted hands.
Choose the Plan That
Works for You
Unnati Scheme
Rewarding timely repayments with attractive interest rebates helps customers progress towards greater savings.
Sampann Scheme
Offering a fixed interest rate throughout the loan tenure for simple, transparent, and hassle-free borrowing.
Frequently Asked
Questions
You can pledge eligible silver jewellery, utensils, coins, idols, and other silver articles, subject to our lending policy.
Your silver is evaluated based on its purity, weight, and the prevailing market value. At Paul Merchants, we use XRF technology for accurate and transparent purity testing.
No. Your silver remains your property. It is pledged as collateral and safely returned once the loan is fully repaid.
The loan amount depends on the purity, weight, and applicable loan-to-value (LTV) norms. Our team will provide you with the eligible loan amount after evaluation.
A silver loan can help you meet financial needs such as business expansion, medical emergencies, education expenses, wedding planning, home renovation, working capital requirements, and other personal financial needs.
You'll generally need: Aadhaar Card, PAN Card (where applicable), Address Proof, Live photo/passport-size photo, and any other documents as per regulatory guidelines.
Once your silver is evaluated and documents are verified, the loan is processed quickly, allowing for fast disbursal.
Yes. Your pledged silver is stored in highly secure vaults with strict safety measures until your loan is repaid.
Yes. You can repay your loan before the tenure ends, subject to the applicable terms and conditions of the chosen loan scheme.
If repayment is delayed, applicable interest and charges may apply. We recommend contacting your nearest Paul Merchants branch to discuss the available options.
Loan eligibility depends on the type and weight of the silver article, as per Paul Merchants' lending policy. Our branch team will guide you after evaluation.
Depending on the applicable loan scheme and your repayment history, renewal or extension options may be available. Please contact your nearest branch for details.
Yes, but the loan is calculated only on the value of the silver. Stones, gems, or other embellishments are not considered during valuation.
We use advanced XRF (X-ray fluorescence) technology, which provides fast, non-destructive, and highly accurate purity testing without damaging your silver.
A silver loan allows you to meet your financial needs while retaining ownership of your valuable silver. Once the loan is repaid, your silver is returned to you.
Any eligible Indian resident meeting the KYC and lending requirements can apply for a Silver Loan at the nearest Paul Merchants branch.
Aapki Chandi
Banegi
Aapki Taaqat
When life demands more, let your silver do more. Apply for a Paul Merchants Silver Loan today — transparent valuation, fast approvals, complete peace of mind.
Need Assistance?
Our loan specialists are here to help you understand the process and estimate your eligibility.