Gold Loan
Quick Cash Against Your Gold
Unlock the value of your gold jewellery with a secure, hassle-free gold loan. Attractive interest rates and flexible repayment options.
Explore Gold Loan
RBI Registered NBFC · Since 1996
Kerala's Trusted Gold Loan & Finance Partner Since 1996
Instant gold, personal, consumer & Mahila loans at attractive rates, minimal paperwork — trusted by 10,000+ customers across Kerala.
Empowering Financial Futures Since 1996
Invest Gold & General Finance Pvt. Ltd. began in 1996 in Urakam, Thrissur, founded by a group of entrepreneurs with roots in Kerala's lending and chit fund sectors. Originally established as Invest Chit & General Finance, the company received its NBFC certification from the Reserve Bank of India in 2001 — a turning point that shifted our focus entirely to lending.
What started as a single office serving the Thrissur community has grown into a trusted financial partner for families across Kerala — offering gold loans, personal loans, Mahila loans, consumer loans, and fixed-return investment options like NCDs and Subordinated Debts.
Talk to Our TeamOur Vision
A future where financial empowerment transforms lives and communities.
Our Mission
To empower women and farmers with innovative financial solutions that promote independence and sustainable growth.
How We Work
No one-size-fits-all products. We take time to understand what each customer actually needs before guiding them through a simple, transparent process — clear terms, no hidden charges, strict RBI compliance.
0+Customers Served
0+Years in Kerala
0RBI Certified
What We Offer
Products Built Around Real Life
Four lending products, one trusted partner — each with flexible eligibility, minimal paperwork and competitive rates.
Personal Loan
Fast, Flexible, For Every Life Goal
A medical emergency, a wedding or a home renovation — quick approval, minimal documentation and repayment plans that fit your budget.
Explore Personal LoanMahila Loan
Empowering Women Entrepreneurs
Designed to help women start or grow a business, pursue education or achieve financial independence — with subsidised, supportive terms.
Start Your Mahila LoanConsumer Loan
Buy What You Need, Pay at Your Pace
From appliances to electronics and more — simple eligibility, competitive rates and convenient EMI options for your next purchase.
Explore Consumer Loan
Investments
Fixed-Return Options That Show the Numbers
Secured, predictable instruments for investors who want steady income without market volatility. Available through private offer.
Non-Convertible Debentures
Fixed interest income with monthly or quarterly payouts, secured against company assets — a predictable way to grow savings without market risk.
- Secured against company assets
- Choose from defined tenure options
- Monthly / quarterly payout
- Transferable with company approval
Subordinated Debt
Fixed monthly interest payout over a 5-year term — built for long-term investors seeking reliable, predictable income from a proven lender.
- Fixed tenure — 60 or 72 months
- Monthly, quarterly, yearly or on maturity
- Non-marketable certificate
- Cheque / account transfer only
Doubling Sub-Debt Scheme
A 72-month plan that states your target maturity benefit — 2x your investment — right on your certificate from day one.
- 72-month tenure, 60-month lock-in
- Invest ₹10,000 – ₹1 Crore
- Target benefit stated in writing
- TDS as per applicable IT rules
Instant Estimate
Gold Loan Calculator
Switch between calculating by the gold you hold, or the cash you need.
“How much gold do you have today?
Let me calculate for you.”
Eligible loan amount
₹2,76,000
* Indicative estimate only. Actual eligibility depends on appraised purity, weight, the prevailing gold rate on the day of pledge and applicable scheme terms. Loan-to-value is capped as per RBI norms. Interest rate slabs may apply retrospectively from the pledge date — please confirm final figures at a branch.
Why Choose Us
What Makes Invest Gold Kerala's Preferred NBFC
From a single branch started in 1996 to a name families trust across Kerala today — here's what backs every loan and investment we offer.
RBI Registered NBFC
A fully regulated, RBI-registered non-banking finance company — every product follows strict compliance and fair-practice norms, so you're protected by more than just our word.
Serving Kerala Since 1996
What began as a single office in Thrissur has grown into a trusted network of branches reaching families statewide — the same values, now closer to you.
One Team, Every Need
From gold and personal loans to Mahila loans, NCDs and Subordinated Debt — a single trusted partner for both your borrowing and your savings goals.
Transparent Terms, Always
No hidden charges, no fine-print surprises. Every rate, term and repayment schedule is laid out clearly — track it all with our online live passbook on the mobile app.
RBIRegistered NBFC
0+Happy Customers
KeralaBranches Statewide
Customer Stories
Trusted by 10,000+ Families
Invest Gold Mobile App
Manage Your Loans Anytime, Anywhere
The Invest Gold Mobile App brings all your financial services together in one secure, easy-to-use platform. Apply for loans, manage your accounts, pay interest, track transactions and access our services from anywhere.
- Apply for gold, personal, Mahila & consumer loans
- Online live passbook with real-time balances
- Pay interest and EMIs securely in a few taps
- Branch locator, gold calculator and instant support
Download Now
News & Events
What's Happening at Invest Gold
Branch launches, community initiatives and company milestones from across Kerala.
News & updates will appear here soon.
FAQ
Questions, Answered
Yes. We are a fully RBI-registered NBFC operating in Kerala since 1996, with every loan and investment product following strict compliance and fair-practice norms.
Since 1996 — starting as a single office in Thrissur and growing into a trusted network of branches serving families statewide.
Gold Loans, Personal Loans, Mahila Loans and Consumer Loans — each with flexible eligibility, minimal paperwork and competitive rates.
Yes — we offer Non-Convertible Debentures (NCDs), Subordinated Debts and the Doubling Sub-Debt Scheme: fixed-return investment instruments for customers looking to grow their savings securely, through private offers. Contact us to learn more.
Yes — the Invest Gold app lets you apply for loans, manage your account, pay interest and track transactions anytime. Available on the Play Store and App Store.
Get in Touch
Reach Out — We're Ready to Help
Have a question or need assistance? Fill out the form and our team will get back to you shortly.
Corporate & Head Office
Invest Gold & General Finance (P) Limited
Invest Complex, Urakam PO,
Thrissur, Kerala, India – 680562
Invest Complex, Urakam PO,
Thrissur, Kerala, India – 680562
Phone
+91 7034 000 444
· +91 90745 23723
WhatsAppChat with our team →
Working HoursMonday – Saturday · 9:30 AM to 5:30 PM