What you need
to apply
Eligibility overview
Gold loan eligibility is subject to Celestia Money's internal policies, operational criteria, and applicable legal requirements. Broadly, approval may depend on:
Documents you may need
Customers may be required to provide one or more of the following. Our team will guide you on the exact documentation needed for your application.
PAN Card
Permanent Account Number — primary identity proof required for most applicants.
Aadhaar Card
Government-issued biometric identity document accepted as KYC proof.
Other KYC Documents
Other officially valid documents where applicable, per regulatory guidelines.
Address Proof
Utility bill, bank statement, or any valid address verification document.
Passport-size Photo
Recent photograph, if required as part of the application process.
Additional Documents
Any further documents requested under internal policy or applicable regulations.
Common questions answered
Everything you need to know about the gold loan process at Celestia Money.
Celestia Money accepts eligible gold jewellery in line with internal policy and operational criteria. Acceptance is subject to assessment.
Gold valuation is carried out through a defined process by authorized personnel. The loan offer is based on the assessed value and applicable policies.
The final loan amount depends on the valuation of eligible collateral, internal policies, and applicable regulatory and operational parameters.
The time required depends on documentation, assessment, and processing conditions. Our aim is to make the process efficient and straightforward.
Basic KYC documents and related information may be required. Exact requirements will be communicated during the application process.
Celestia Money follows defined operational and custody procedures for handling pledged gold throughout the loan period.
Repayment and closure terms will be set out in the loan documentation. Customers should review these carefully before proceeding.
Once the loan is repaid and all closure formalities are completed in accordance with the applicable terms, the pledged gold is released.
Yes. Customers should be informed of key charges and terms before completing the borrowing process. Transparency on costs is central to our approach.
You can contact our customer support team or use the grievance channels listed on the Grievance Redressal page.
Still have questions?
Our team is here to help you understand the process before you apply.
Talk to Us