The Restart India Pradhan Gold Loan Scheme is available to customers aged 18 and above, with valid identification and ownership proof of the gold being pledged. The interest rate of 11.99% per annum is applicable for the entire loan tenure of 9 months. In case of delayed payments, additional charges may apply as per the company's policy. The minimum loan amount is ₹8 lakh, and the maximum loan amount is ₹20 lakh, subject to the value of the pledged gold. All loans are sanctioned at the discretion of GoldLakshmi Finserv and are subject to gold purity, loan-to-value (LTV) ratio, and other criteria.