Loan Against Sovereign Gold Bond (SGB)

Getting a loan against the gold is a very conventional system. It is one of the most secure (government-backed) and stable investment options. For businesses, there are situations where you have urgent financial requirements. In this, instead of liquidating your holdings in SGBs, you can access their value. Hence, a facility Loan Against Sovereign Gold Bonds comes into the picture. Thus, you access the funding without actually losing ownership.

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Key Features of Loan Against SGBs

Why Loan Against Sovereign Gold Bonds?

The sovereign gold bond is a cost-effective alternative to unsecured loans. It offers lower interest rates, flexible usage of funds, and quick disbursal without a CIBIL check. As there are no end-use restrictions, the fund can be used for Capex, Opex, or debt repayment. Thus, whether for working capital, expansion, buying equipment, or personal needs, this option ensures your investments continue to earn interest while you enjoy liquidity.

How Do We Execute the Loan Against SGB?

1. Submitting the portfolio statement.

2. Analyzing the Strengths and Opportunities.

3. Terkar Capital team shares the In-Principle confirmation (before log in).

4. Post your confirmation, we will get the KYC documents.

5. Log in the Proposal with OTP.

6. Pledging the shares.

7. Final Sanction.

8. Disbursement.

Loan Against SGB Documents

Generally, documents are very simple, and they vary from applicant to applicant.

1. For Individuals

1. Complete the Aadhar card copy.
2. Clear Pan Card copy
3. Cancel the cheque
4. Passport-size photo.
5. SGB Ownership Proof

2. For Businesses

1. Business KYC (As per Partnership firm/ Private Limited company / LLP / Public Limited company / HUF)
2. Owner KYC - as like individuals.

Loan Against SGBs at Terkar Capital

We bring deep expertise in both primary and secondary markets to structure funding solutions that align with your financial goals. With our Loan Against Sovereign Gold Bonds (LASGB) facility, you can access up to 85% of your bond value at competitive interest rates. We carefully assess your requirements and blend LASGB with other debt instruments to ensure maximum liquidity at minimum cost.

For corporates, multiple business factors are evaluated to deliver the most efficient solution. Having facilitated significant funds through LASGB, we understand the best market practices, enabling you to access funds at the lowest possible cost of borrowing. Let’s explore!!

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FAQs on Loan Against Sovereign Gold Bonds

Yes. Both individuals and corporates holding Sovereign Gold Bonds (SGBs) can avail funding against them.

Funding is generally offered in the form of an overdraft (OD) facility, giving you flexibility to use funds as needed.

Yes. Your SGBs remain in your name. you only pledge them to access liquidity, so ownership stays with you.

No. You can use the funds for business expansion, working capital, operations, equipment purchase, or even debt restructuring without restrictions.

We Facilitate the Following Funding Instruments

Client Feedback

What our clients think about us?

D*** Shinde

Terkar Capital has demonstrably improved the quality of funding candidates presented to us. Their rigorous client selection process, including a deep financial analysis, gives us confidence in the businesses we evaluate. Their professionalism and execution are top-notch, making them a trusted partner for any financial institution seeking qualified borrowers.

Pratibha K***

Thank You for the numerous financing options that you make available at a lower cost of borrowing. Terkar Capital not only provides transparency but also values the time of its clients. We appreciate the minimal time you took to provide funds to the company. Highly recommend Terkar Capital for funding requirements.

Harshada T***

We are very thankful to Terkar Capital for your efforts in arranging facility. Their approach is very simple, professional, and fast! The team is highly responsive that executed the process in short span of time without any hassles. Great work... Thank you!

M Dwivedi

Obliged for the services by Terkar Capital in helping secure funds for the business. They offer a broad range of advanced funding solutions and deliver financial solutions that are right for customers. Grateful for the services rendered by your firm.

Terkar Capital is a registered brand of Terkar Global Financial Development Pvt Ltd, an Investment Banking Firm with a national footprint. We work extensively with professionals and businesses of all sizes to arrange debt funding instruments.