The Restart India Pradhan Gold Loan Scheme is available to individuals aged 18 and above with valid identification and proof of gold ownership. The interest rate of 12.99% per annum will be applicable for the entire loan period of 9 months. Failure to repay the loan within the stipulated period may result in additional charges as per Gold Lakshmi Finserv's policies. The minimum loan amount that can be availed is ₹5 lakh, subject to the value of the gold pledged, purity, and loan-to-value (LTV) ratio. Approval of loans is at the sole discretion of GoldLakshmi Finserv based on its evaluation criteria.