Your gold.
Your possibilities.
Gold loans built on simple interest, zero processing fees, and complete valuation transparency.
Zero processing fee.
No pre-closure charges.
No hidden fees. Close your loan early whenever you are ready.
Four schemes.
Rates from 10% a year.
Zera Plus, Flex, Swift and Seed. Choose a tenure from 1 month to 3 years.
Fixed Debenture.
8.10% fixed annual return.
Plan for your family’s future with a return you know in advance.
Join Zera Club.
Gold rates every day.
Daily gold rate updates and the first word on our offers, on WhatsApp.
Simple interestNo interest on unpaid interest
₹0 processing feeNo hidden or pre-closure fees
Digital servicingUPI / bank payments, e-receipts and SMS reminders
As Fast as 30 MinutesAfter checks and documentation
Zera's Solutions
Instant gold loan
A target of about 10 minutes after KYC, valuation and approval, on scheme-based loans.
Fixed-term gold loan
Choose an eligible scheme and agree repayment dates upfront. Get a one-month interest-free benefit.
Fixed Debenture (FD)
Plan for your family's future with a fixed annual return of 8.10% for everyone.
Four schemes. Find your fit.
Your gold's value, without selling your memories. Pay interest monthly and repay the principal at closure or maturity.
*Rates are annual and indicative. Extension available; slab-based interest applies. Final amount depends on assessed gold value, purity and net weight at the branch, and on KYC and your signed agreement.
Know what your gold can unlock
Get an estimate in seconds, before you visit. Interest is simple: paid monthly on what you owe, never compounded.
Why Zera?
Simple interest
No interest on interest. You pay only on the principal that is outstanding.
Kept safe and secure
Your gold is securely packed and safely stored while your loan is open.
Digital servicing
Pay by UPI or bank transfer, with e-receipts and SMS reminders.
Simple interest
No interest on interest. You pay only on the principal that is outstanding.
Convenience
Online payment options are supported, including UPI and bank transfer.
Transparency
No hidden charges. What you see is what you get.
Six steps to your loan
Tap a step to see the details.
Bring your gold and a valid ID, as required, to our branch.
Watch us check its purity and weight, with every calculation explained.
Review your eligible amount and choose a scheme that suits your needs.
Understand your annual interest rate, monthly interest, applicable charges and repayment dates before signing.
Once verification is complete, receive your money by UPI or bank transfer, or in cash within the limit allowed by law.
Follow your repayment schedule and collect your gold once all dues are settled. Extensions are available in certain cases.
Fixed Debenture
A fixed annual return of 8.10% for everyone. Plan for your family's future with a return you know in advance.
Return calculator
Illustrative: The Fixed Debenture is managed by Zera Global Ventures, which shares its profit with you at a fixed 8.10% a year, calculated on the amount invested and without compounding. Actual returns and terms are subject to the final agreement.
Achieve Your Financial Goals with Zera
Your savings. Your future. Your Zera.
Their Stories. Your Confidence.
Customer stories are coming soon. Real Zera customers will share their experience in their own words, so you can choose with confidence.
Customer story 01
Video coming soon
Customer story 02
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Customer story 03
Video coming soon
Finance that begins with people, not paperwork
Gold carries family memories as well as financial value. We value it fairly, explain every deduction, keep it securely and return the same articles after settlement.
Our vision
To become India's most trusted, transparent and technology-driven gold finance company, empowering individuals and families through secure, accessible financial solutions.
Our mission
To serve every customer with integrity, compassion and respect through fair gold valuation, transparent lending and innovative solutions that build trust and strengthen communities.
Apply for a gold loan
Share your details and we will call you back during branch hours. Email is optional.
- Phone+91 93603 25702
- Emailinfo@zerafinance.in
- BranchAddress to be announced.
Frequently asked questions
Straight answers about valuation, fees, repayment and the safety of your gold.
What makes Zera different? Can I trust Zera with my jewellery?
Your gold is valued transparently, securely packed and safely stored. You know the value, rate and repayment amount before you accept the loan.
How can I get a Gold Loan from Zera? What documents do I need?
Bring your gold and complete a quick valuation and KYC. You'll need a photo ID with address proof, such as Aadhaar, plus PAN and bank details where required.
Are there any additional fees or fixed monthly EMIs?
No hidden charges and no EMIs. You pay interest every month and repay the principal when you close the loan or at maturity. All applicable interest, including the slab-based interest that applies if you miss an interest payment, is shown before you accept your loan.
Are all gold items accepted?
We primarily accept eligible gold jewellery and ornaments. Eligibility and loan value depend on purity, weight and applicable lending rules.
How can I pay my Gold Loan?
Pay through available options such as UPI, bank transfer, online payment or at a Zera branch. You can also close your loan early, subject to your loan terms.
How is my gold valued?
We check the purity and net weight of your gold and calculate its value using the applicable gold rate. The valuation is explained to you before your loan is confirmed.
How quickly can I get the money?
Once your gold valuation and KYC are completed and the loan is approved, the amount is paid by UPI or bank transfer, or in cash within the limit allowed by law.
Can I repay my loan early?
Yes. You can close your Zera Gold Loan early according to the terms of your selected plan.
What happens to my gold after repayment?
Once the loan and applicable dues are fully cleared, your jewellery is released back to you.
About Zera
Zera Gold Finance is a gold finance company in Nagercoil, Tamil Nadu, built on one idea: humanity at the heart of finance.
Who we are
Gold carries family memories as well as financial value. We offer gold loans with simple interest and a Fixed Debenture with a fixed return, with clear terms and no hidden charges. We value your gold in front of you, explain every calculation, keep it securely and return the same articles after settlement.
Our vision
To become India's most trusted, transparent and technology-driven gold finance company, empowering individuals and families through secure, accessible financial solutions.
Our mission
To serve every customer with integrity, compassion and respect through fair gold valuation, transparent lending and innovative solutions that build trust and strengthen communities.
What we stand for
- Simple interest. No interest on interest.
- Transparency. No hidden charges. What you see is what you get.
- Convenience. UPI, bank and online payments, e-receipts and SMS reminders.
- Respect. Your gold is handled with care and returned to you once dues are cleared.
Privacy Policy
Last updated: 1 January 2027
This policy explains how Zera Gold Finance (Zera Global Ventures, "Zera", "we") collects, uses, shares and protects your personal data when you use this website, visit our branch, or take a gold loan or Fixed Debenture with us. We aim to handle personal data in line with the Digital Personal Data Protection Act, 2023 and other applicable laws.
Information we collect
- Contact details you share with us, such as name, mobile number, email and city.
- KYC documents collected at the branch for loans and Fixed Debentures, such as Aadhaar, PAN, photographs and address proof.
- Loan and gold details, including weight, purity, valuation, disbursal and repayments.
- Bank account and UPI details used to pay or collect money.
- Website data, such as enquiry and Join us forms, the mobile number you share with us and preferences saved on your device.
How we use it
- To respond to enquiries and call-back requests.
- To verify your identity and complete KYC as required by law.
- To assess, disburse, service and close loans and Fixed Debentures.
- To send receipts, payment reminders and, only with your consent, gold rate updates by SMS or WhatsApp.
- To prevent fraud and meet legal and regulatory obligations.
Your consent and choices
We contact you only for the purposes you agreed to. You can withdraw consent for promotional messages at any time by contacting us. Service messages about an active loan or Fixed Debenture will continue while it is open.
Who we share it with
We do not sell your personal data. We share it only with service providers who help us operate (such as SMS, payment and IT providers) under confidentiality obligations, with banks and payment partners to process your transactions, and with regulators, law enforcement agencies or courts when the law requires it.
How long we keep it
We keep your data for as long as you have a relationship with us and afterwards for as long as the law requires. KYC and transaction records are generally kept for at least five years after the relationship ends.
How we protect it
We restrict access to staff who need it, store documents securely and review our safeguards regularly. No system is completely secure, so please report anything suspicious to us straight away.
Your rights
You may ask for a summary of the personal data we hold about you, ask us to correct or update it, ask us to erase it where we are not required to keep it, nominate a person to exercise these rights for you, and raise a grievance with us.
Contact for privacy questions
Grievance Officer: [Name], [Designation]
Email: support@zerafinance.in · Phone: +91 93603 25702
Changes to this policy
We may update this policy from time to time. The date at the top shows when it was last changed.
Terms of Use
Last updated: 1 January 2027
By using this website you agree to these terms. If you do not agree, please do not use the website.
Information, not an offer
Interest rates, loan-to-value limits, tenures and gold rates shown on this website are indicative (a guide only) and may change without notice. They are not an offer of credit. Fixed Debenture figures are illustrative and are not an offer to accept your money. The return that applies to you is the rate in your signed agreement. Final terms are set out in your signed loan or Fixed Debenture agreement. Loan approval is subject to KYC (identity and address checks), gold valuation and applicable lending rules.
Calculators
Calculators give illustrative estimates only. Actual amounts depend on the purity and net weight of your gold, the gold rate on the day, the scheme you choose and your agreement.
Eligibility
You must be at least 18 years old and legally able to enter into a contract. When you pledge gold, you confirm that it lawfully belongs to you.
Using the website
- Give accurate and complete information.
- Do not misuse the website, attempt to disrupt it or copy its content by automated means.
- By sharing your mobile number, you agree to receive messages related to your request.
Fixed Debenture
The Fixed Debenture is managed by Zera Global Ventures. The fixed return is a share of the profit of its business, paid at the fixed rate in your agreement. Calculator figures are illustrative, and the terms are those in the agreement you sign.
Intellectual property
The Zera name, logo, design and content on this website belong to Zera Global Ventures and may not be used without written permission.
Third-party services
Links to WhatsApp, payment providers or other services are governed by those providers' own terms and privacy policies.
Limitation of liability
To the extent permitted by law, Zera is not liable for loss arising from reliance on indicative information on this website or from temporary interruptions to the website.
Governing law
These terms are governed by the laws of India, and the courts at Nagercoil, Tamil Nadu have jurisdiction.
Changes
We may update these terms at any time. Continued use of the website means you accept the updated terms.
Refund Policy
Last updated: 1 January 2027
Zera charges a ₹0 processing fee and no pre-closure charges, so most customers will never need a refund. This policy explains how we return any money that is due to you.
Excess or duplicate payments
If you pay more than the amount due, or the same payment is made twice, we will refund the extra amount to the original bank account or UPI ID within [7] working days of confirming it. On your request, we can adjust it against your next dues instead.
Amounts at loan closure
When you close your loan, any amount you have paid beyond the final dues is returned to you at closure, along with your gold.
Surplus after sale of pledged gold
If your gold has to be sold to recover overdue amounts, the sale happens after notice as set out in your loan agreement. Any money left after dues and costs are settled is returned to you or your legal heirs.
Fixed Debenture
The Fixed Debenture is managed by Zera Global Ventures. The fixed return you receive is a share of the profit of its business, paid at the fixed rate in your agreement. Premature withdrawal and payouts are governed by the terms of your Fixed Debenture. Returns already paid are not reversed except as those terms allow.
Failed transactions
If money leaves your account but does not reach us, your bank or payment provider usually reverses it within their own timelines. Contact us with the transaction reference and we will help you follow it up.
How to ask for a refund
Contact us with your loan or Fixed Debenture number, the payment date, the amount and the transaction reference. Phone: +91 93603 25702 · Email: support@zerafinance.in
Contact Us
Last updated: 1 January 2027
We are here to help with your loan, Fixed Debenture or any concern you have.
Registered office
Zera Global Ventures
[Registered office address]
CIN: [Company Identification Number, if applicable]
Branch
Zera Gold Finance, [Branch address], Nagercoil, Kanyakumari District, Tamil Nadu [PIN]
Hours: [Monday to Saturday, 9:30 am to 6:00 pm]
Customer care
Phone: +91 93603 25702
Email: support@zerafinance.in
General enquiries
Email: info@zerafinance.in
Follow Zera
Instagram: @zeragold.finance
YouTube: Zera on YouTube
WhatsApp channel: Daily gold rates and offers
Grievance redressal
- Level 1, Customer care: contact the branch or customer care. We acknowledge complaints within [2] working days and aim to resolve them within [15] days.
- Level 2, Grievance Redressal Officer: [Name], [Designation], [email], [phone].
Stay safe
Zera will never ask for your OTP, PIN or passwords over a call or message. Make payments only to Zera's official accounts and ask for a receipt for every payment.
Join Zera
Be the first to know when gold rates move, interest rates come down or a special offer goes live.
- Gold price updatesDaily rates, so you know the right time to borrow.
- Interest reduction offersHear first when our interest rates come down.
- Special offersFestive and members-only offers from Zera.
Welcome, !
You’re on the Zera list. Join our WhatsApp channel for daily gold rates and offers.
Join WhatsApp channelKnow someone who needs a fair gold loan? Share Zera with them on WhatsApp.
Refer on WhatsAppPolicies
These are the policies and codes that lenders in India commonly publish. For each one we show whether Zera has published it yet.
Words used on these pages:
- RBI: the Reserve Bank of India, India’s central bank.
- NBFC: a non-banking finance company, which is a lender that is not a bank.
- KYC: identity and address checks.
- LTV: loan-to-value, the share of the gold’s value that can be lent.
Published on this site
You can read these policies in full on this website.
Not yet published
Lenders in India commonly publish these. Zera has not published them yet. Each page explains what the policy is and where Zera stands today.
For information
A plain-language summary of rules that apply to lenders regulated by the RBI. It is not a statement that Zera follows them.
Pages that mention RBI rules are for information only. They do not state that Zera is registered with, or approved by, the RBI, and Zera has not published registration or licence details on this website. Questions about any policy: +91 93603 25702 or support@zerafinance.in.
Fair Practices Code
Not yet published
How a lender treats borrowers fairly: clear terms, honest communication, respectful recovery and a way to complain.
What this policy is
A fair practices code is a lender’s promise to treat borrowers openly and respectfully. It usually covers clear information before you sign and a written loan agreement. It also covers notice if the terms change, polite recovery, protection of your information and an easy way to complain.
Who it applies to
In India, NBFCs (non-banking finance companies) registered with the Reserve Bank of India (RBI) must follow a fair practices code approved by their board. Other lenders, such as licensed pawnbrokers, follow the rules of their own licence. Treating customers fairly is good practice for every lender.
Where Zera stands today
This website does not describe Zera as registered with, supervised by or approved by the RBI. Zera has not published a Fair Practices Code.
This website shows the main loan terms: rates, loan periods (tenures), loan value, fees and repayment. It says that the figures are indicative (a guide only) and that the final terms are in your signed agreement.
You can reach us on +91 93603 25702 or at support@zerafinance.in.
This page is general information. It is not legal advice and does not replace your loan agreement or the law.
Interest Rate Policy
Not yet published
How interest rates and charges are set, shown to you before you sign, and changed.
What this policy is
An interest rate policy explains how a lender decides its rates and charges. It also explains how they are shown to the borrower before signing, and when they can change.
Who it applies to
NBFCs (non-banking finance companies) registered with the Reserve Bank of India (RBI) must have an interest rate policy approved by their board. Other lenders may have to follow state laws and licence conditions on the interest they can charge. Showing rates clearly is good practice for every lender.
Where Zera stands today
This website does not describe Zera as registered with, supervised by or approved by the RBI. Zera has not published an Interest Rate Policy.
The interest rate of each scheme is shown in the Schemes section of this website. Interest is simple, paid monthly on the outstanding principal, with no interest charged on interest. The website shows a ₹0 processing fee and no pre-closure charges.
Our FAQs explain that slab-based interest applies if you miss an interest payment, and that all applicable interest is shown to you before you accept the loan.
Rates and terms on this website are indicative. Your signed agreement sets the final terms (see the Terms of Use). Please read it, and ask about any charge you do not understand.
This page is general information. It is not legal advice and does not replace your loan agreement or the law.
Loan Policy
Not yet published
How loans are assessed and offered: eligibility, valuation, loan amount, repayment and closure.
What this policy is
A loan policy explains who can borrow and how your gold is valued. It also explains how much can be lent, for how long, how you repay, and how your gold is returned when the loan is closed.
Who it applies to
Lenders regulated by the Reserve Bank of India (RBI) must have lending policies approved by their board. Other lenders rely on their licence conditions and loan agreements. Showing the key terms clearly is good practice for any lender.
Where Zera stands today
This website does not describe Zera as registered with, supervised by or approved by the RBI. Zera has not published a Loan Policy.
Our current loans are shown in the Schemes section and the calculator. You give gold jewellery as security. Each scheme has its own interest rate, loan period (tenure) and loan-to-value, which is the share of the gold’s value that can be lent. You pay interest every month and repay the principal at the end.
These details are indicative. Loans depend on KYC (identity and address checks), gold valuation and your signed agreement, which sets the final terms.
This page is general information. It is not legal advice and does not replace your loan agreement or the law.
Auction Policy
Not yet published
What happens to the gold you gave as security if a loan is not repaid: notice, sale and return of any money left over.
What this policy is
An auction policy explains when a lender may sell the gold you have given as security and what written notice you must get first. It also explains how the sale is kept fair and how any money left after your dues is returned to you.
Who it applies to
Lenders regulated by the Reserve Bank of India (RBI) must follow the RBI’s rules on gold loans. Licensed pawnbrokers in Tamil Nadu follow the Tamil Nadu Pawnbrokers Act, 1943. Whoever the lender is, the sale must be fair, and any money left over belongs to the borrower.
Where Zera stands today
This website does not describe Zera as registered with, supervised by or approved by the RBI. Zera has not published an Auction Policy.
Our Refund Policy covers this. If your gold has to be sold to recover overdue amounts, the sale happens after notice, as set out in your loan agreement. Any money left after the dues and costs is returned to you or your legal heirs.
Before you sign, ask for the notice period and the steps of a sale in writing.
This page is general information. It is not legal advice and does not replace your loan agreement or the law.
Code of Conduct
Not yet published
What a code of conduct is: the standards of behaviour a business expects of its directors, partners and staff.
What this policy is
A code of conduct sets out how directors, partners and staff should behave. It usually covers honesty, courtesy to customers, keeping customer information private, not using their position for personal gain, and speaking up about wrongdoing.
Who it applies to
No single rule makes every business publish the same code. Some companies, and lenders regulated by the Reserve Bank of India (RBI), must have conduct policies as part of how they are run. For other businesses it is good practice.
Where Zera stands today
This website does not describe Zera as registered with, supervised by or approved by the RBI. Zera has not published a Code of Conduct.
How we handle your information and money is explained in our Privacy Policy, Terms of Use and Refund Policy.
This page is general information. It is not legal advice and does not replace your loan agreement or the law.
Vigil Mechanism
Not yet published
What a vigil mechanism is: a way for people to report serious concerns in confidence, without fear of being punished.
What this policy is
A vigil mechanism, also called a whistle-blower policy, lets people tell a business about suspected fraud, dishonesty or misconduct in confidence. It protects those who report in good faith and explains how reports are looked into.
Who it applies to
Under the Companies Act, 2013, some companies must have one. These include listed companies, companies that take deposits from the public and companies with large bank borrowings. It may also apply to some NBFCs (non-banking finance companies) registered with the Reserve Bank of India (RBI). Whether it applies depends on the legal form and size of the business. For other businesses it is good practice.
Where Zera stands today
This website does not describe Zera as registered with, supervised by or approved by the RBI, or as a listed company. Zera has not published a Vigil Mechanism policy.
If you have a concern about how Zera or its people have behaved, you can write to support@zerafinance.in or call +91 93603 25702. We will look into every genuine concern. This is Zera’s own reporting channel. It is not a statutory vigil mechanism. Zera has not published rules on confidentiality or protection for people who report a concern.
This page is general information. It is not legal advice and does not replace your loan agreement or the law.
Investor Policy
Not yet published
Information for people who put money into Zera’s Fixed Debenture.
What this policy is
An investor policy tells investors what to expect. It usually explains how they get information about a product, how returns are paid, how their personal details are handled and how to complain.
Who it applies to
The rules on taking money from investors depend on how a product is set up. This page does not describe the Fixed Debenture as a regulated or approved investment.
Where Zera stands today
Zera has not published an Investor Policy.
The Fixed Debenture is managed by Zera Global Ventures on the terms of a written agreement. Figures on this website are illustrative, and the terms that apply to you are those in the agreement you sign.
It is not a bank deposit and is not covered by deposit insurance. This website does not claim that any regulator has approved or endorsed it. No government body promises any return or repayment.
Please read the full terms, ask us any questions and take independent advice before you decide. For investor questions or complaints, write to support@zerafinance.in or call +91 93603 25702.
This page is general information. It is not legal advice and does not replace your loan agreement or the law.
RBI Gold Loan Rules
For information
A plain-language summary of the RBI’s rules for lending against gold, for information.
What this policy is
The Reserve Bank of India (RBI) is India’s central bank. It has issued rules for banks and NBFCs (non-banking finance companies) that lend against gold and silver jewellery and coins. The rules are called the Lending against Gold and Silver Collateral Directions, 2025. Regulated lenders had to follow them from 1 April 2026.
Who it applies to
The rules bind lenders regulated by the RBI, that is banks and NBFCs with an RBI registration. They do not directly apply to lenders that the RBI does not regulate. These are mainly governed by state law and by any licence they hold. The rules are shown here for information.
The main rules, in brief
- Loan-to-value (LTV) is the share of the gold’s value that can be lent. For personal-use loans the limit is:
- 85% for a loan up to ₹2.5 lakh;
- 80% for a loan above ₹2.5 lakh and up to ₹5 lakh;
- 75% for a loan above ₹5 lakh.
- A personal-use loan where the principal and interest are paid together at the end is limited to 12 months, with conditions for renewal. Please check the RBI’s text to see how it treats loans where interest is paid every month.
- Gold is valued on its actual purity (22-carat is the reference) and its net weight, and the lender keeps a written record of the valuation.
- The lender must be satisfied that the borrower owns the gold and must follow the rules on KYC (identity and address checks).
- The borrower must receive the loan agreement and clear details of the interest and charges.
- Once the loan is repaid, the lender must return the gold you gave as security quickly, within the time limit set by the RBI. If the lender causes a delay, it may have to pay compensation.
- Gold can be sold at auction only after the borrower is given notice. The price must be fair and linked to the market value. Any money left over must be returned to the borrower within a fixed time.
- Lenders may not lend money to buy gold. They may not lend against gold bars or gold ETFs (investment funds linked to the gold price).
Where Zera stands today
This page is a summary for information. It does not state that Zera is registered with, supervised by or approved by the RBI, and it does not say that Zera follows every rule listed here.
Zera’s own loan terms are shown in the Schemes section of this website and in your signed agreement. Zera’s schemes are set by Zera under its own terms. This page does not say that every scheme meets every limit above.
About this summary
The official text is on the RBI website, rbi.org.in. Search for “Lending against Gold and Silver Collateral Directions, 2025”. If this summary and the RBI’s text differ, the RBI’s text applies.
This summary was prepared on 18 October 2026 from published summaries of the RBI’s rules. It has not yet been checked line by line against the RBI’s own text. The RBI has also been combining its rules into consolidated Directions for each type of lender, so the wording that applies to an NBFC may now sit in a different document. Please check the current text on rbi.org.in.
This page is general information. It is not legal advice and does not replace your loan agreement or the law.