Our Digital Lending Applications (DLAs):
- Online Gold Loan(OGL)
Data privacy policy : Click Here
Please contact our customer care : 1 800-309-3055
Alternatively, you can reach out to our Grievance Redressal Officer:
- Name: Ms. Remya P R
- Designation: GRO
- Address: No: 9, 9th Floor,
Club House Road, Anna Salai, Chennai -600 002. - E-mail : grievances@asirvad.in
- Telephone: +91 6382615504
Escalation to Principal Nodal Officer
If not resolved within 15 days at the GRO level, please contact
- Name Mr. Joshy KG,
- Designation : PNO
- Telephone: +91 93459 60630
- E-mail: pno@asirvad.in
- MFIN Toll Free : 1800-102-1080
- Sa-dhan Toll Free : 1800-425-0205
- Compliant portal link – Click Here
- RBI Sachet portal link – Click Here
Regions
Please avail special rebate immediately on regular payment of interest on the loan on certain schemes only. Refer table shown below.
Schemes for southern states – Karnataka,Telangana & Andhra Pradesh
S.No | Scheme name | Loan limit | Tenure (Days) | Effective Interest rate after rebate(P.A.) | Rebate %(range) | Interest rate | Annualised interest rate |
---|---|---|---|---|---|---|---|
1 | SX | Min Rs.1000 | 365 | 26.50% | 1.50% | 28.00% | 31.89% |
2 | SAA 1 | 1L To 2L | 365 | 22.00% | 1% – 4% | 26.00% | 29.33% |
3 | SAA 2 | 2L To 3L | 365 | 21.00% | 2%-5% | 26.00% | 29.33% |
4 | SAA 3 | 3L To 4L | 365 | 20.00% | 2%-6% | 26.00% | 29.33% |
5 | SAA 4 | 4L To 5L | 365 | 19.00% | 3%-7% | 26.00% | 29.33% |
6 | SAA 5 | 5L To 20L | 365 | 21.00% | 2%-5% | 26.00% | 29.33% |
7 | SAA 6 | Above 20L | 365 | 10.90% | 2%-15.1% | 26.00% | 29.33% |
8 | SS2 | 1L To 1.95L | 365 | 17.00% | 1%-9% | 26.00% | 29.33% |
9 | SS2 | 1.95L To 3L | 365 | 16.00% | 1%-10% | 26.00% | 29.33% |
10 | SS2 | 3L To 4L | 365 | 14.50% | 1%-11.5% | 26.00% | 29.33% |
11 | SS2 | 4L To 5L | 365 | 13.50% | 1% -12.5% | 26.00% | 29.33% |
12 | SS2 | Min 5L | 365 | 12.00% | 1%-14% | 26.00% | 29.33% |
13 | SA+ | 1.95L To 3L | 365 | 12.90% | 2%-13.1% | 26.00% | 24.00% |
14 | SA+ | 3L To 4L | 365 | 12.90% | 2.75%-13.1% | 26.00% | 29.33% |
15 | SA+ | 4L To 5L | 365 | 12.90% | 3%-13.1% | 26.00% | 29.33% |
16 | SA+ | Min 5L | 365 | 9.90% | 4%-16.1% | 26.00% | 29.33% |
17 | SY | Max 1L | 365 | 21.50% | 4%-6.5% | 28.00% | 31.89% |
18 | DS | Max 75000 | 365 | 12.00% | 2%-14% | 26.00% | 29.33% |
1 | SX | Min Rs.1000 | 180 | 23.00% | 2% – 3% | 26.00% | 27.45% |
2 | SAA 1 | 1L To 2L | 180 | 16.00% | 9% – 10% | 26.00% | 27.45% |
3 | SAA 2 | 2L To 3L | 180 | 15.00% | 9% – 11% | 26.00% | 27.45% |
4 | SAA 3 | 3L To 4L | 180 | 15.00% | 9% – 11% | 26.00% | 27.45% |
5 | SAA 4 | 4L To 5L | 180 | 14.00% | 9% – 12% | 26.00% | 27.45% |
6 | SAA 5 | 5L To 20L | 180 | 10.50% | 7.5% – 13.5% | 26.00% | 27.45% |
7 | SAA 6 | Above 20L | 180 | 9.90% | 8.1% – 14.1% | 26.00% | 27.45% |
8 | SS2 | Min 1L | 180 | 14.50% | 7.5% – 10.5% | 26.00% | 27.45% |
9 | SS2 | Min 1.9L | 180 | 14.00% | 8%-11% | 26.00% | 27.45% |
10 | SS2 | Min 3L | 180 | 13.50% | 8.5%-11.5% | 26.00% | 27.45% |
11 | SS2 | Min 4L | 180 | 12.50% | 9.5%-12.5% | 26.00% | 27.45% |
12 | SS2 | Min 5L | 180 | 10.90% | 11.1%-14.1% | 26.00% | 27.45% |
13 | SA+ | Min 1.95L | 365 | 9.90% | 9.6%-13.6% | 26.00% | 29.33% |
14 | SA+ | Min 3L | 365 | 9.90% | 9.35%-13.35% | 26.00% | 29.33% |
15 | SA+ | Min 4L | 365 | 9.90% | 9.1%-13.1% | 26.00% | 29.33 |
16 | SA+ | Min 5L | 365 | 9.90% | 8.1% – 12.1% | 26.00% | 27.45% |
17 | AT+ | Min 1L | 180 | 12.00% | 6% – 12% | 26.00% | 27.45% |
18 | SY | Max 2L | 180 | 20.00% | 4% – 4% | 28.00% | 29.69% |
19 | DS | Max 1L | 180 | 12.00% | 6% – 12% | 26.00% | 27.45% |
20 | LCA1 | Upto 2L | 180 | 13.00% | 5% – 11% | 26.00% | 27.45% |
21 | LCA1 | Above 2L | 180 | 11.00% | 5% – 13% | 26.00% | 27.45% |
22 | NCA1 | Upto 2L | 180 | 14.00% | 5% – 10% | 26.00% | 27.45% |
23 | NCA1 | Above 2L | 180 | 12.00% | 4% – 12% | 26.00% | 27.45% |
1 | SX | Min Rs.1000 | 365 | 26.50% | 1.50% | 28.00% | 31.89% |
2 | SAA 1 | 1L To 2L | 365 | 22.00% | 1% – 4% | 26.00% | 29.33% |
3 | SAA 2 | 2L To 3L | 365 | 21.00% | 2%-5% | 26.00% | 29.33% |
4 | SAA 3 | 3L To 4L | 365 | 20.00% | 2%-6% | 26.00% | 29.33% |
5 | SAA 4 | 4L To 5L | 365 | 19.00% | 3%-7% | 26.00% | 29.33% |
6 | SAA 5 | 5L To 20L | 365 | 21.00% | 2%-5% | 26.00% | 29.33% |
7 | SAA 6 | Above 20L | 365 | 10.90% | 2%-15.1% | 26.00% | 29.33% |
8 | SS2 | 1L To 1.95L | 365 | 17.00% | 1%-9% | 26.00% | 29.33% |
9 | SS2 | 1.95L To 3L | 365 | 16.00% | 1%-10% | 26.00% | 29.33% |
10 | SS2 | 3L To 4L | 365 | 14.50% | 1%-11.5% | 26.00% | 29.33% |
11 | SS2 | 4L To 5L | 365 | 13.50% | 1% -12.5% | 26.00% | 29.33% |
12 | SS2 | Min 5L | 365 | 12.00% | 1%-14% | 26.00% | 29.33% |
13 | SA+ | 1.95L To 3L | 365 | 12.90% | 2%-13.1% | 26.00% | 24.00% |
14 | SA+ | 3L To 4L | 365 | 12.90% | 2.75%-13.1% | 26.00% | 29.33% |
15 | SA+ | 4L To 5L | 365 | 12.90% | 3%-13.1% | 26.00% | 29.33% |
16 | SA+ | Min 5L | 365 | 9.90% | 4%-16.1% | 26.00% | 29.33% |
17 | SY | Max 1L | 365 | 21.50% | 4%-6.5% | 28.00% | 31.89% |
18 | DS | Max 75000 | 365 | 12.00% | 2%-14% | 26.00% | 29.33% |
Schemes for – category A branches
1 | SX | Rs.1000 | 180 | 24.00% | 1% – 1% | 26.00% | 27.45% |
2 | AA 1 | Min 1L | 180 | 23.50% | 1.5% – 2.5% | 26.00% | 27.45% |
3 | AKL | Min 1.95L | 180 | 19.00% | 5% – 7% | 26.00% | 27.45% |
4 | AKL | Min 3L | 180 | 18.00% | 6% – 8% | 26.00% | 27.45% |
5 | AKL | Min4L | 180 | 17.00% | 7% – 9% | 26.00% | 27.45% |
6 | AKL | Min 5L | 180 | 12.00% | 12% – 14% | 26.00% | 27.45% |
7 | SS2 | Min 1L | 180 | 14.50% | 7.5% – 10.5% | 26.00% | 27.45% |
8 | SS2 | Min 1.95L | 180 | 14.00% | 8% – 11% | 26.00% | 27.45% |
9 | SS2 | Min 3L | 180 | 13.50% | 8.5%-11.5% | 26.00% | 27.45% |
10 | SS2 | Min 4L | 180 | 12.50% | 9.5%-12.5% | 26.00% | 27.45% |
11 | SS2 | Min 5L | 180 | 10.90% | 11.1%-14.1% | 26.00% | 27.45% |
12 | SA+ | Min 1.95L | 365 | 9.90% | 9.6%-13.6% | 26.00% | 29.33% |
13 | SA+ | Min 3L | 365 | 9.90% | 9.35%-13.35% | 26.00% | 29.33% |
14 | SA+ | Min 4L | 365 | 9.90% | 9.1%-13.1% | 26.00% | 29.33% |
15 | SA+ | Min 5L | 365 | 9.90% | 8.1%-12.1% | 26.00% | 29.33 |
16 | AT+ | Min 1L | 180 | 12.00% | 5% – 12.1% | 26.00% | 27.45% |
17 | SY | Min 2L | 180 | 20.00% | 4% – 4% | 28.00% | 29.69% |
18 | DS | Max 1L | 180 | 12.00% | 6% – 12% | 26.00% | 27.45% |
19 | LCA1 | Upto 2L | 180 | 13.00% | 5% – 11% | 26.00% | 27.45% |
20 | LCA1 | Above 2L | 180 | 11.00% | 5% – 13% | 26.00% | 27.45% |
21 | NCA1 | Upto 2L | 180 | 14.00% | 5% – 10% | 26.00% | 27.45% |
22 | NCA1 | Above 2L | 180 | 12.00% | 4% – 12% | 26.00% | 27.45% |
1 | SX | Rs.1000 | 365 | 26.50% | 1.50% | 28.00% | 31.89% |
2 | AA 1 | Min 1L | 365 | 24.00% | 1% – 2% | 26.00% | 29.33% |
3 | AKL | 1.95L To 3L | 365 | 21.00% | 1% – 5% | 26.00% | 29.33% |
4 | AKL | 3L To 4L | 365 | 20.00% | 1% – 6% | 26.00% | 29.33% |
5 | AKL | 4L To 5L | 365 | 19.00% | 1% – 7% | 26.00% | 29.33% |
6 | AKL | Min 5L | 365 | 14.00% | 1% – 12% | 26.00% | 29.33% |
7 | SS2 | 1L To 1.95L | 365 | 16.50% | 1% – 9.5% | 26.00% | 29.33% |
8 | SS2 | 1.95L To 3L | 365 | 15.00% | 1% – 11% | 26.00% | 29.33% |
9 | SS2 | 3L To 4L | 365 | 15.50% | 1% – 10.5% | 25.00% | 29.33% |
10 | SS2 | 4L To 5L | 365 | 13.50% | 1% – 12.5% | 26.00% | 29.33% |
11 | SS2 | Min 5L | 365 | 13.00% | 1% – 13% | 26.00% | 29.33% |
12 | SA+ | 1.95L To 3L | 365 | 12.90% | 4% – 13.1% | 26.00% | 29.33% |
13 | SA+ | 3L To 4L | 365 | 12.90% | 6% – 13.1% | 26.00% | 29.33% |
14 | SA+ | 4L To 5L | 365 | 12.90% | 6% – 13.1% | 26.00% | 29.33% |
15 | SA+ | Min 5L | 365 | 10.90% | 7% – 15.1% | 26.00% | 29.33% |
16 | SY | Max 1L | 365 | 21.50% | 4% – 6.5% | 28.00% | 31.89% |
17 | DS | Max 75000 | 365 | 15.00% | 2% – 11% | 26.00% | 29.33% |
Schemes for – category B branches
1 | SX | Rs.1000 | 180 | 24.00% | 1% – 2% | 26.00% | 27.45% |
2 | AA 1 | Min 1L | 180 | 23.00% | 2% – 3% | 26.00% | 27.45% |
3 | AA2 | Min 2L | 180 | 20.00% | 4% – 6% | 26.00% | 27.45% |
4 | AKL | Min 3L | 180 | 18.50% | 5.5% – 7.5% | 26.00% | 27.45% |
5 | AKL | Min4L | 180 | 17.50% | 6.5% – 8.5% | 26.00% | 27.45% |
6 | AKL | Min 5L | 180 | 13.00% | 11% – 13% | 26.00% | 27.45% |
7 | SS2 | Min 3L | 180 | 14.00% | 8% – 11% | 26.00% | 27.45% |
8 | SS2 | Min 4L | 180 | 13.00% | 9% – 12% | 26.00% | 27.45% |
9 | SS2 | Min 5L | 180 | 11.50% | 10.5%-13.5% | 26.00% | 27.45% |
10 | SS2 | Min 5L | 180 | 9.90% | 9.35%-13.35% | 26.00% | 29.33% |
11 | SS2 | Min 4L | 180 | 9.90% | 9.1%-13.1% | 26.00% | 29.33% |
12 | SA+ | Min 5L | 365 | 9.90% | 8.1%-12.1% | 26.00% | 29.33% |
13 | AT+ | Min 1L | 180 | 12.00 | 5%-12% | 26.00% | 27.45% |
14 | SY | Max 2L | 180 | 20.00% | 4%-4% | 28.00% | 29.69% |
15 | DS | Max 2L | 180 | 12.00% | 6%-12% | 26.00% | 27.45 |
16 | LCA1 | Upto 2L | 180 | 13.00% | 5% – 11% | 26.00% | 27.45% |
17 | LCA1 | Above 2L | 180 | 11.00% | 5% – 13% | 26.00% | 27.45% |
18 | NCA1 | Upto 2L | 180 | 14.00% | 5% – 10% | 26.00% | 27.45% |
19 | NCA1 | Above 2L | 180 | 12.00% | 4% – 12% | 26.00% | 27.45% |
1 | SX | Rs.1000 | 365 | 26.50% | 1.50% | 28.00% | 31.89% |
2 | AA 1 | Min 1L | 365 | 24.00% | 1% – 2% | 26.00% | 29.33% |
3 | AA2 | Min 2L | 365 | 22.00% | 2% – 4% | 26.00% | 29.33% |
4 | AKL | 3L To 4L | 365 | 21.00% | 1% – 5% | 26.00% | 29.33% |
5 | AKL | 4L To 5L | 365 | 20.00% | 1% – 6% | 26.00% | 29.33% |
6 | AKL | Min 5L | 365 | 15.00% | 1% – 11% | 26.00% | 29.33% |
7 | SS2 | 3L To 4L | 365 | 15.00% | 4% – 11% | 26.00% | 29.33% |
8 | SS2 | 4L To 5L | 365 | 14.00% | 4% – 11% | 26.00% | 29.33% |
9 | SS2 | Min 5L | 365 | 13.00% | 4% – 12% | 26.00% | 29.33% |
10 | SA+ | 3L To 4L | 365 | 12.90% | 5% – 13.1% | 26.00% | 29.33% |
11 | SA+ | 4L To 5L | 365 | 12.90% | 6% – 13.1% | 26.00% | 29.33% |
12 | SA+ | 1.95L To 3L | 365 | 9.90% | 7% – 16.1% | 26.00% | 29.33% |
13 | SY | Max 1L | 365 | 21.50% | 4% – 6.5% | 26.00% | 31.89% |
14 | DS | Max 75000 | 365 | 12.00% | 2% – 14% | 26.00% | 29.33% |
Schemes for – category C branches
1 | SX | Rs.1000 | 180 | 24.00% | 4% – 4% | 28.00% | 26.69% |
2 | AA 1 | Min 1L | 180 | 24.00% | 1% – 2% | 26.00% | 27.45% |
3 | AA2 | Min 2L | 180 | 21.00% | 3% – 5% | 26.00% | 27.45% |
4 | AA3 | Min 3L | 180 | 19.00% | 4% – 7% | 26.00% | 27.45% |
5 | AKL | Min 4L | 180 | 18.50% | 5.5% – 7.5% | 26.00% | 27.45% |
6 | AKL | Min 5L | 180 | 14.00% | 10% – 12% | 26.00% | 27.45% |
7 | SS2 | Min 4L | 180 | 14.00% | 8% – 11% | 26.00% | 27.45% |
8 | SS2 | Min 5L | 180 | 12.00% | 10% – 13% | 26.00% | 27.45% |
9 | SA+ | Min 4L | 365 | 9.90% | 9.1%-13.1% | 26.00% | 29.33% |
10 | SA+ | Min 5L | 365 | 9.90% | 8.1%-12.1% | 26.00% | 29.33% |
11 | AT+ | Min 1L | 180 | 12.00% | 5%-12% | 26.00% | 27.45% |
12 | SY | Max 2L | 180 | 20.00% | 4%-4% | 28.00% | 29.69% |
13 | DS | Max 1L | 180 | 12.00 | 6%-12% | 26.00% | 27.45% |
14 | LcA1 | Upto 2L | 180 | 13.00% | 5%-11% | 26.00% | 27.45% |
15 | LCA1 | Above 2L | 180 | 11.00% | 5%-13% | 26.00% | 27.45 |
16 | NCA1 | Upto 2L | 180 | 14.00% | 5% – 10% | 26.00% | 27.45% |
17 | NCA1 | Above 2L | 180 | 12.00% | 4% – 12% | 26.00% | 27.45% |
1 | SX | Rs.1000 | 365 | 26.50% | 1.50% | 28.00% | 31.89% |
2 | AA 1 | Min 1L | 365 | 24.00% | 1% – 2% | 26.00% | 29.33% |
3 | AA2 | Min 2L | 365 | 22.00% | 2% – 4% | 26.00% | 29.33% |
4 | AA3 | Min 3L | 365 | 20.00% | 3% – 6% | 26.00% | 29.33% |
5 | AKL | 4L To 5L | 365 | 21.00% | 1% – 5% | 26.00% | 29.33% |
6 | AKL | Min 5L | 365 | 17.00% | 1% – 9% | 26.00% | 29.33% |
7 | SS2 | 4L To 5L | 365 | 15.00% | 1% – 11% | 26.00% | 29.33% |
8 | SS2 | Min 5L | 365 | 14.00% | 1% – 12% | 26.00% | 29.33% |
9 | SA+ | 4L To 5L | 365 | 12.90% | 6% – 13.1% | 26.00% | 29.33% |
10 | SA+ | Min 5L | 365 | 12.90% | 7% – 13.1% | 26.00% | 29.33% |
14 | SY | Max 1L | 365 | 23.00% | 0.04 – 5% | 28.00% | 31.89% |
15 | DS | Max 75000 | 365 | 12.00% | 2% – 14% | 26.00% | 29.33% |
Schemes for – category D branches
1 | SX | Rs.1000 | 180 | 24.00% | 4% – 4% | 28.00% | 26.69% |
2 | AA 1 | Min 1L | 180 | 24.00% | 1% – 2% | 26.00% | 27.45% |
3 | AA2 | Min 2L | 180 | 22.00% | 2% – 4% | 26.00% | 27.45% |
4 | AA3 | Min 3L | 180 | 20.00% | 3% – 6% | 26.00% | 27.45% |
5 | AKL | Min 4L | 180 | 15.00% | 9% – 11% | 26.00% | 27.45% |
6 | SS2 | Min 5L | 180 | 13.00% | 9% – 12% | 26.00% | 27.45% |
7 | SA+ | Min 5L | 365 | 9.90% | 8.1% – 12.1% | 26.00% | 29.33% |
8 | AT+ | Min 1L | 180 | 12.00% | 5% – 12% | 26.00% | 27.45% |
9 | SY | Max 2L | 180 | 20.00% | 4%-4% | 28.00% | 26.69% |
10 | DS | Max 1L | 180 | 12.00% | 6%-12% | 26.00% | 27.45% |
11 | LCA1 | Upto 2L | 180 | 13.00% | 5%-11% | 26.00% | 27.45% |
12 | LCA1 | Above 2L | 180 | 11.00% | 5%-13% | 26.00% | 27.45% |
13 | NCA1 | Upto 2L | 180 | 14.00 | 5%-10% | 26.00% | 27.45% |
14 | LcA1 | Above 2L | 180 | 12.00% | 4%-12% | 26.00% | 27.45% |
1 | SX | Rs.1000 | 365 | 26.50% | 1.50% | 28.00% | 31.89% |
2 | AA 1 | Min 1L | 365 | 24.00% | 1% – 2% | 26.00% | 29.33% |
3 | AA2 | Min 2L | 365 | 23.50% | 2% – 2.5% | 26.00% | 29.33% |
4 | AA3 | Min 3L | 365 | 22.00% | 3% – 4% | 26.00% | 29.33% |
5 | AKL | Min 5L | 365 | 18.00% | 1% – 8% | 26.00% | 29.33% |
6 | SS2 | Min 5L | 365 | 14.00% | 1% – 12% | 26.00% | 29.33% |
7 | SA+ | Min 5L | 365 | 10.90% | 7% – 15.1% | 26.00% | 29.33% |
8 | SY | Max 1L | 365 | 23.00% | 4% – 5% | 28.00% | 31.89% |
9 | DS | Max 75000 | 365 | 12.00% | 2% – 14% | 26.00% | 29.33% |
Note
- Minimum 15 Days interest applicable for pledges in all schemes except SX scheme, due to OGL rebate applicable under online repledge.
- Penal Charges is chargeable at 3% p.a. after loan tenure.
- Compounding in all Schemes at monthly rest.
- Processing fee of Rs. 10/- for all schemes at the time of settlement. 0.07% * applicable at the time of repledge with create new inventory.
0.007% * applicable at the time of repledge without settled inventory. - Individual maximum exposure limit: 25 Lakhs. Requires separate approval for additional exposure.
- Rebate may increase for SX Scheme due to multiple repledges through OGL