Get Gold Loan
from your Neighbourhood
Jewelery Shop
any time

Call or Whatsapp for any queries
9986418515
Jewelery shop front with a shopkeeper

How It Works

Avail loan in less than 30 minutes

Small shop icon
Step 1
Need Gold Loan?
Walk into Qolar
Channel Partner shop
Calculator image
Step 2
Do KYC & get fair value for your gold
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Step 3
Loan amount gets credited to your bank account instantly
Bank icon
Step 4
Your gold is insured and kept safe in bank vault

Schemes

Gold loan plans starting at 0.79% (9.48% per annum)

Above 10 lakhs
Pay interest and principal after 6 months.
Lowest Interest
0.79%
9.48% interest per annum
Highest value
1.15%
13.8% interest per annum
5 - 10 Lakhs
Pay interest and principal after 6 months.
Lowest Interest
0.88%
10.56% interest per annum
Highest value
1.25%
15% interest per annum
2 - 5 Lakhs
Pay interest and principal after 6 months.
Lowest Interest
1.00%
12.00% interest per annum
Highest value
1.39%
16.68% interest per annum
Below 2 Lakhs
Pay interest and principal after 6 months.
Lowest Interest
1.25%
15.00% interest per annum
Highest value
1.54%
18.84% interest per annum

Features

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Flexible repayments
Pay whenever you like, close the loan whenever you want.
Shield icon
100% Insured
Your gold is insured through our insurance partners. 100% FREE !
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Quick release
You won’t have to wait too long, your gold will be released within a day !
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Assured cashback
Get a cashback everytime you make a payment towards your loan.
No search tab icon
No hidden charges
You don’t have to worry about extra costs at any point !
Secure icon
Privacy Guaranteed
Qolar is an ISO Certified company. All your information and loan details is completely secure.
CONTACT
FOR QUERIES
Phone call icon
99864 18515

Frequently Asked Questions

Requesting a gold loan

Am I eligible for a gold loan?

Anyone with gold jewellery is eligible to apply for a gold loan. You are required to provide the following documents:
Any 1 of the following ID Proofs:

  • Aadhaar Card
  • Voter ID
  • PAN Card
  • Passport
  • Driving License

Any 1 of the following Address Proofs (Local Address only):

  • Aadhaar Card
  • Voter ID
  • Passport
  • Driving License
  • Utility Bill / Lease Agreement of local address (Phone / Gas / Electricity / Water / Broadband etc) supported by any one of the above Cancelled cheque leaf of your bank account.

How much money can I avail through a gold loan?

The eligible amount for a gold loan is calculated using the following parameters:

  • Net weight of the jewellery
  • Purity
  • Prevailing gold rate
  • Scheme chosen

Can I pledge anything other than gold?

No. Our lending partners accept only gold jewellery. We do not accept gold coins and bars.

Are all gold items accepted?

No. Our lending partners accept only gold jewellery. For example, we do not accept gold coins and gold bars.
Only Jewellery of 18 carats and above is accepted, subject to valuation reports.

Why should I get loan through QOLAR ?

  • Best schemes
  • High savings on interest
  • Simple procedure
  • Doorstep delivery
  • State of the art customer service

I do not have a smart phone, can I still avail a gold loan?

We encourage you to apply through the QOLAR app on a smartphone. But no worries if you do not own one - You can simply call us at 7022126984 and schedule our executive within 2 hours at your doorstep.

What is the rate of interest for the gold loan?

Our schemes keep changing with time. To know about the latest schemes please call 7022126984.

What is the tenure for gold loan?

Currently, we offer tenure of 3 months to 12 months on the gold loan..

Is QOLAR an NBFC?

Qolar Technologies Pvt Ltd is a digital lending platform for gold loans. Qolar has also partnered with highly trusted Banks , NBFCs & Nidhi companies to disburse gold loans.

Can I request gold loan in someone else's name?

No.

What purposes can I request a gold loan for?

You can use the loan amount to suit any need that does not entail illegal activities, money laundering, terrorism or any other activity prohibited by law.

What are the documents required for the gold loan?

We need 3 documents:

  • ID proof :- PAN , Aadhaar , Voter ID , Driving License , Passport
  • Address proof :- Aadhaar , Voter ID , Driving License , Passport
  • Cancelled cheque leaf of your bank account

In case your pickup location address is different form your identity proof address, then you must submit one of these documents as the pickup location address proof:

  • Rental / Lease agreement
  • Electricity bill
  • Landline bill
  • Water tax

How long does it take for loan disbursement?

The money transfer is instantaneous! We will leave your premises only after the money has hit your bank account.

Return of the gold

How do I initiate a gold return?

You can call us at 7022126984. The gold return will be initiated once you pay the outstanding loan amount and up to date interest dues.

What is the assurance that the gold returned is the same?

We have a highly standardized and stringent operations process that ensures the safety and sanity of your gold at all points in time – from pickup to storage to return. We have tech enabled systems that ensure robust tracking for gold safekeeping. Your jewellery is photographed during pledge. You can verify during release.

I have found a discrepancy in the returned gold ?

Please call our helpline 7022126984 and we will assist you.

Will my gold be returned to my place?

The gold will be returned from our office or from partner lenders locations only. Once the outstanding loan amount is paid, you can select the date and delivery time slot, and the gold will be returned.

How can I make a repayment / pay interest?

You can make a repayment or pay your interest through any of the following modes:

  • Online money transfer - NEFT/RTGS/IMPS
  • Pay online on the QOLAR website or on our Android App
  • Deposit cash or cheque at your nearest KOTAK BANK

Privacy & Security

Will my gold be safe?

Don’t worry, safety of your gold is our top priority and it is 100% safe with us. We follow standardized and stringent processes to ensure your gold is safe at every part of the process.

Who is responsible for the gold?

QOLAR and its registered partners assume complete responsibility for the gold. This includes secure transportation, storage in vaults, and returning the gold safely to your home.

Mobile App

The app is not supported by my mobile.

You smartphone must have a minimum of Android 4.1 to run our app. Please check your version and upgrade if possible.

I did not receive an OTP

Please wait for 60 seconds for the OTP to arrive. If you still have not received it, call us at 7022126984 and we will help you.

My app has accidentally stopped.

Restart the app. If the problem still persists, please give us a call at 7022126984.

Appraisal Process

How do I know if the executive is authentic?

You can authenticate our executive through the following steps:

  • In app verification -Once the executive reaches your premises, an OTP will be sent to your number which the executive will then enter on his app to verify the match.
  • ID Card -The executive will display his I-card.
  • ID Proof -The executive can display a government ID proof upon being requested.

Which tests are done on the gold?

We do touch stone method of testing gold.

I'm not happy with the process

At any point if you are not happy with the process, you can cancel the entire process on our app. Your privacy and safety are our top priority.

I'm not happy with the loan amount

If you are not happy with the loan amount eligibility, you are free to refuse the offer. No questions asked.

Contact Us

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Address
Qolar Technologies Private Limited, Bengaluru - 560024 Karnataka , India
Reg. No : 123029
CIN No. : U74990KA2019PTC123029
GST : 29AAACQ6061E1
PAN : AAACQ6061E1
TAN : BLRQ00917A
Email Us
vijay@techqolar.com
Phone No.
+91 7022126984