Why Choose us
10 Lakhs+
Happy Customers
₹ 2700 Cr+
Amount Disbursed
Since 1984
Trusted & RBI Licensed NBFC
Revolutionizing
the way you think of
Gold Loan & Personal Loan
Arvog Cares
We believe businesses should have a positive impact on our lives without negatively impacting the environment. We see ourselves as mere trustees of the resources available to us.
ESG and CSR impact
We strongly believe that a business is worth growing only when it can deliver a positive net impact not only on profits but also on our planet, our people, and society at large.
Arvog & Augmont
A Partnership for Instant Gold Loans
Finkurve has entered into an arrangement with Augmont Goldtech Private Limited wherein Augmont shall provide its ‘Augmont Gold For All’ platform exclusively to Arvog (Finkurve Financial Services Limited) to facilitate its gold loan business.
Augmont, with the help of its NBFC partner 'Arvog' and a strong network of 80+ branches, is able to offer instant gold loans to the masses at the lowest interest rates. Augmont is trusted by 4+ crore customers, 150+ partner brands, and 10,000+ agents and jewellers.
Ketan Kothari is the quintessential innovator spearheading new product development at Augmont. He has been involved in the launch of India's first structured product in the commodities market—RSBL Optionally Convertible Debentures and 'Bullion++', which is primarily targeted at HNIs and provides a dual income advantage.
The name 'Arvog' is derived from a Finnish word, “Arvokas” that means worth. We want to bring true worth back into our customers' lives.
We believe businesses should have a positive impact on our lives without negatively impacting the environment. We see ourselves as mere trustees of the resources available to us.
We believe businesses should have a positive impact on our lives without negatively impacting the environment. We see ourselves as mere trustees of the resources available to us.
MR. KETAN B. KOTHARI
Ketan Kothari, a dynamic leader and finance expert with a finance double major from Nottingham University Business School and advanced studies in Fintech from MIT and BGEI from Harvard, showcases a deep understanding and innovative approach to the financial industry. Recognized by prestigious platforms like BusinessWorld’s 40 under 40 and as a Precious ICON of the industry by the Time Group, Ketan sets a benchmark in his field.
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How much can I borrow against my gold?The loan amount depends on the purity and market value of your gold. After evaluation, we can confirm the exact amount based on today's rate per gram (RPG).
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How long does the evaluation process take?The evaluation process typically takes 30-45 minutes. It includes assessing your gold's purity and weight, which can be done at a branch or at your home for convenience.
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Do I need to provide any documents?Yes, you’ll need: Proof of identity (Aadhar card and PAN card or Form 60) Proof of address (Aadhar card, utility bills, voter ID, etc.) Our team will guide you through the process.
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How soon will I receive the loan amount?Once the gold evaluation and document verification are complete, the loan amount is disbursed within 5 minutes.
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Can I apply online?Yes, you can start your loan application online. You can complete the process by visiting a branch or having one of our representatives assist you at home.
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What are the interest rates and repayment options?Interest rates start from 0.81% per month, varying based on the Loan-to-Value (LTV) ratio, tenure, and billing cycle. Details will be shared after your eligibility assessment.
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Are there any additional charges or fees?Applicable charges include processing fees and late payment fees. Stamp duty charges as applicable.
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What happens if I’m unable to repay the loan on time?In case of difficulties, please inform us. We can discuss options like restructuring the loan or extending the tenure to make repayment easier.
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Can I prepay my loan before the tenure ends?Yes, prepayment is allowed at any time without penalties.
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Can I extend the tenure of my loan?Yes, you can extend the tenure by paying the due interest or charges when the loan approaches its end date.
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Is my gold safe while in your possession?Your gold is stored in secure vaults with military-grade security systems. Additionally, it is insured at no extra cost for your peace of mind.
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What happens if gold prices change during the loan tenure?The gold's value is fixed at the time of evaluation. Price fluctuations during the tenure won’t affect your loan. If prices increase, you may be eligible for a top-up loan.
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Can I get my gold back after repaying the loan?Yes, your gold is returned immediately after full repayment of the loan.
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Can I transfer my Gold Loan from another lender?Yes, we offer a smooth loan transfer process from other lenders to our services.
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Can I get a loan if I have a low credit score?Yes, a low credit score does not disqualify you. The loan is secured against your gold, and eligibility is based on its value.
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Can I make partial prepayments towards my loan?Yes, partial prepayments are accepted, reducing your outstanding balance and interest.
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Can I get a loan against gold jewelry with stones or embellishments?Yes, gold jewelry with stones or embellishments is accepted. The loan amount is based on the purity and weight of the gold component.
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Can I track my loan application status online?Yes, you can track your loan application through our website or mobile app.
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Can I renew my Gold Loan after repaying it in full?Yes, you can apply for a new loan once the previous one is fully repaid.
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Is there an option to change the mode of EMI payment?No, the billing cycle and payment mode cannot be changed once the loan agreement is finalized.
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Why Choose us
9 Lakhs+
Happy Customers
2200 Cr+
Amount Disbursed
Since 1984
Trusted & RBI Licensed NBFC
MR. KETAN B. KOTHARI
Mr. Ketan B. Kothari, an accomplished finance expert with an MA from Nottingham University, has been instrumental in Arvog's success through strategic initiatives and policy contributions. A BW40under40 honoree by Business World in 2021, he is a recognized leader in the finance sector.