Apna Girvi Sona
Bank se Chudwaye.
Gold pledged with a bank or NBFC and drowning in EMIs? Top Rate buys your mortgaged gold at the best market rate and settles the loan directly with your lender. Discreet, transparent, quick.
- We help you get rid of EMIs — the moment we buy your gold, the loan is closed.
- Commission as low as 2% — no hidden charges, no “melting loss” tricks.
- 100% discreet — no newspaper notices, no public embarrassment.
Waiting for auction = guaranteed loss.
You lose 10–20% of your gold's value.
Banks auction pledged gold at at least 10% below market rate — plus the auction purchaser pays GST on top. That entire cost cascade eats into what you finally recover. End result: 10–20% of your gold's real value is gone — permanently.
Your name gets published publicly.
Before an auction, banks are required to publish borrower details in newspapers and legal notices. Your name, address and default become public record — visible to family, friends and neighbours. With Top Rate, the entire settlement is 100% discreet and private.
Six reasons families in Gurgaon & Delhi choose Top Rate for mortgage buyback.
Avoid 10–20% Auction Loss
If you miss EMIs, the bank auctions your gold. The winning bidder buys it 10% below market plus pays GST on top — you effectively lose 10–20% of your gold's real value. Selling to Top Rate first stops this.
Complete Discretion
When a bank auctions pledged gold, your name, address and loan default are published in newspapers and legal notices. Everyone in your circle can read it. We handle everything privately — no public notice, ever.
Commission as low as 2%
No hidden charges, no processing fees, no 'weighing loss' games. Just a flat, transparent 2% commission on the transaction — one of the lowest in North India.
We Settle Directly with Bank
SBI, HDFC, Muthoot, Manappuram, IIFL, Federal Bank, Canara Bank — we deal end-to-end with your lender. You don't have to arrange a rupee upfront. Loan closure paperwork is handled by us.
EMI Burden Gone in 24 Hours
One meeting, one signature, one settlement. Balance after loan payoff is transferred to your bank account or paid in cash — same day.
Govt-Approved Valuers
Officially recognised valuers — the same certificates are accepted by banks and courts. Every step of karat testing and weighing happens in front of you.
Four simple steps. Loan gone. Balance in your hand.
Call / WhatsApp Us
Send us your bank name, outstanding loan amount and approximate gold weight on +91 98101 07276.
Free On-Call Estimate
We give you an indicative payout after loan settlement — before you commit to anything.
Bank Coordination
We coordinate with your bank for gold release, no-dues certificate and pledge cancellation.
Payout Same Day
Loan cleared with the bank; balance credited to you in cash or bank transfer within hours.
Home visits across Gurgaon, Manesar, Delhi & nearby areas.
We travel to your home, your lender's branch, or wherever the gold is stored — with certified valuers, calibrated scales and XRF karat tester. Complete privacy guaranteed.