Transparent valuation
Your gold is weighed and assessed in front of you, gram by gram, at rates you can check yourself.
✦ 28 years of gold loans in Kerala
Your gold, working for you.
Pledge your gold and walk out with funds the same day — at honest per-gram rates, with no hidden charges. It's the one thing we've done best since 1997.
28
Years of trust
15
Branches
30,000+
Customers
Gold loan rate from
0.83% p.m.
Instant valuation · same-day disbursal
✓ Same-day disbursal
✓ Fair per-gram rates
✓ Minimal documentation
✓ Insured vault storage
✓ No hidden charges
Our gold loan
The gold loan Kerala keeps coming back to
Gold loans are all we do — and doing one thing for 28 years is exactly why we do it well. Here's what you get every time you pledge with Dhanachakra.
Same-day disbursal
Most loans are valued, approved and paid out within the same visit. No waiting, no follow-ups.
Insured vault storage
Your ornaments are sealed, tracked and stored in a secured, insured vault until you repay.
Flexible repayment
Pay interest monthly or settle at closure. Foreclose any time with no penalty.
Minimal paperwork
A simple ID and address proof is usually all it takes. We keep the counter quick.
A team you know
People who live where you live, handling your family gold with the care it deserves.
Simple as it should be
Three steps to funds in hand
1
Bring your gold
Walk into any branch with your gold ornaments or coins and a basic ID and address proof.
2
Instant valuation
We weigh and assess purity transparently, then quote your eligible loan amount on the spot.
3
Walk out with funds
Accept the terms and your money is disbursed the same day. Your gold is sealed and safely stored.
By the numbers
Nearly three decades, measured in trust
80,000+
Gold loans disbursed
30,000
Happy customers
15
Branches across Kerala
80%
Customers who return
Why Dhanachakra
Straight terms, familiar faces
We built our name the old-fashioned way: by being the gold-loan lender that never surprised anyone with a hidden line.
No hidden charges
The rate we quote is the rate you pay. Every line is on the sheet.
Quick disbursals
Gold valued, approved and paid out, usually within the same visit.
Your gold, safe
Sealed, insured and returned exactly as you pledged it.
A friendly team
People who treat you like a neighbour, because usually you are.
80%
of our customers come back to us for their next gold loan.
That repeat rate is the number we're proudest of. It means the valuation was honest, the rate was fair, and their gold was returned exactly as pledged — by people who often knew them by name.
Where to find us
15 branches across Idukki & Ernakulam
Your gold never travels far. There's almost certainly a Dhanachakra counter near you.
PiravomHEAD OFFICE
Thodupuzha
Thodupuzha Town
Kottayam
Kodungoor
Changanacherry
Erattayar
Thankamani
Vannappuram
Murickassery
Adimali
Udumbannoor
Nedumkandam
Kattappana
Rajakkad
Working hours
Monday – Friday9:30 AM – 5:00 PM
Saturday9:30 AM – 2:00 PM
2nd & 4th SaturdayClosed
SundayClosed
Head Office — Piravom
25/204 First Floor, Punnedath, Devipady, Piravom – 686664
☎ 9495977241
Ready when you are
Get your gold valued today
Walk into any branch with your gold, or send an enquiry and we'll call you back. No jargon, no run-around.