Education & Gold Loans in India | Wizzmoni

Loans

FUNDS WHEN YOU NEED THEM.

From studying abroad to instant cash against your gold — flexible loan options with quick disbursal, transparent rates and minimal paperwork, at 350+ branches across India.

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Two loan types · One partner

EXPLORE OUR LOAN OPTIONS.

Whether you're funding an education overseas or need immediate cash against gold, pick the loan that fits your goal.

Education Loan

Fund your studies in India or abroad with education loans from major banks and HDFC Credila, offering flexible options, competitive rates, support, and Student Stars scholarships.

Study abroadTuition & feesCollateral-freeScholarships

Gold Loan

Pledge your gold for instant cash in 10–20 minutes, with maximum loan value at the daily IBJA rate, insured ornaments, no lock-in, and flexible repayment options.

Instant cashMax gold valueInsured gold

How it works

FOUR STEPS TO YOUR LOAN.

Our approach is built on simplicity, speed and regulatory rigour every transaction with Wizzmoni is smooth and secure.

Apply or visit

Enquire online or walk into any branch with your requirement.

Submit KYC & pledge

Provide PAN and address proof; hand over gold ornaments (gold loan) or loan documents (education loan).

Instant valuation

In-house appraisers value your gold on the spot at the daily IBJA rate; no goldsmith wait.

Get disbursed

Receive funds in 10–20 minutes - cash or direct online credit to your account.

Why Wizzmoni

Trust built for borrowers.

With 25+ years, 350+ branches and 4 million-plus satisfied customers, your loan is in safe, experienced hands.

Lowest Interest Rates

From 1.5% per month (18% p.a.), fixed until your loan closes — no surprises.

Maximum Loan Value

Rate-per-gram updated daily to the IBJA gold price, for the best value on your gold.

Insured & Secure

Pledged gold is insured and stored in secure lockers with 24/7 CCTV and guards.

Less Documentation

Just PAN and address proof to start - no lock-in, redeem anytime.

Frequently Asked Questions

Can't find what you need? Reach out to our team we respond within the hour.

Contact Support

Family maintenance, and travel & tours.

There are two types of registrations:
a. Valued Customer (Non-KYC):
Requires Mobile Number, Name, Date of Birth, and Postal Code. Download Unimoni Wallet from Play Store or App Store and provide minimum KYC details.
b. Privileged Customer (KYC):
Complete KYC using Aadhaar card or PAN through the Unimoni Wallet App. Online Aadhaar Verification is available for instant authentication. Registration and KYC documentation can also be done at Unimoni Branches and Authorized Agent Locations.

Visit the counter with the 10-digit PIN given to you by the sender, along with your ID proof.

Maximum USD 2,500 per transaction
30 transactions per year

Yes, in case your mobile device is lost, secure your account by calling our helpline number.

Can't find what you need? Reach out to our team we respond within the hour.

Contact Support