Documents You Need for a Gold Loan (2026)
By SonaFin Editorial Team · · 4 min read
In short: For a gold loan you typically need one identity proof and one address proof, such as Aadhaar, PAN, passport, voter ID or driving licence, plus passport-size photos. Income documents are usually not required.
Documents most lenders ask for
Identity proof: Aadhaar, PAN, passport, voter ID or driving licence. Address proof: Aadhaar, utility bill, passport or another officially valid document. Most lenders also ask for recent passport-size photographs and a completed application form.
Why income proof is usually not needed
Because the loan is secured by your gold, lenders rely on the gold’s value rather than your salary or credit history. Some lenders ask for additional details for larger amounts, so check requirements for your lender.
Tips to avoid delays
Carry originals along with copies, make sure the name and address match across documents, and confirm that your mobile number is linked to your Aadhaar if the lender uses e-KYC. Requirements vary by lender, so confirm the list before you visit.
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