The Super Value Gold Loan Scheme is available to individuals aged 18 and above, with valid identification and proof of gold ownership. The scheme offers a fixed interest rate of 23.00% per annum, applicable for the full loan tenure of 12 months, across all ticket sizes. Late repayment may incur additional charges in accordance with GoldLakshmi Finserv's policy. Loan approval is subject to the gold's value, purity, and loan-to-value (LTV) ratio, as well as the discretion of Gold Lakshmi Finserv based on its internal evaluation process.