For centuries Delhi has remained a supreme trading and commercial centre in Northern India. Serving as a capital city under several kingdoms, the city abounds in historical significance and acts as the focal point of commercial, transport, cultural as well as political centres of India. Places like Red Fort, Humayun’s Tomb, Qutub Minar, Jantar Mantar, India Gate, Hauz Khas, Bahai (Lotus) Temple stand testimony to its rich history.
Information technology, telecommunication, hotel, tourism, and retail industry serve as the backbone of Delhi’s economy, making its per-capital income one of the highest in India. To strike a perfect balance between continually rising living costs and a demanding modern lifestyle, Delhiites often rely on personal financing options, like an Aadhaar card loan. With the advent of the Aadhaar card and paperless e-KYC verification, individuals can easily apply for Aadhaar card online to meet any personal expense quickly.
Aadhaar card loans are unsecured financing options provided by banks and NBFCs. Although borrowers can use the loan to meet any financial obligation, its common use-cases comprise –
Before applying for a personal loan on Aadhaar card, individuals need to fulfil specific eligibility criteria. As personal loans are unsecured, banks and NBFCs strictly ascertain a borrower’s creditworthiness. Though the eligibility criteria differ with each lending institution, the basic factors that are taken into consideration include:
As the name might suggest, one can get an Aadhaar card loan by submitting the pertinent document. However, individuals still need to submit income proof besides that.
For a salaried individual, the required documents include,
For a self-employed individual, the necessary documents include,
Individuals with low CIBIL score and a poor credit history often fail to get approval from lending institutions. Also, since an Aadhaar card loan is not secured, even eligible individuals may need to service it at considerably high interest rates.
In such cases, individuals can consider a gold-backed personal loan on Aadhaar card as an Alternative Option For Its Hassle-Free And Faster Processing Time.
As an idle asset, gold can offer financial assistance during urgent and sizeable cash requirements. Moreover, the secured nature of these loan type entails several benefits that individuals can often fail to get with unsecured Aadhaar card loans. The benefits include:
Prospective borrowers must also put considerable thought into which financier to choose when searching for ‘gold-backed Aadhaar card loan providers near me’. The right choice of the lender can offer borrowers a world of benefits. In that context, one may want to check out the features we offer.
At Rupeek, borrowers can avail the following benefits –
Individuals can get the loan amount transferred to their account within 45-60 minutes to meet any emergency expenses, including medical contingency. That’s because we only verify the KYC documents while providing a gold-backed emergency loan on Aadhaar card. It ensures a faster processing time, which helps borrowers to get access to the loan instantly.
With Rupeek, individuals can enjoy doorstep instant gold loan services. This enables borrowers to avoid the risk of taking their valuables outside. One needs to apply online for a gold-backed Aadhaar card loan via our app or website, and a company representative will be at their office or residence within 30 minutes.
Our interest rate for gold-backed Aadhaar card loan starts from 0.49% per month. The lower gold-backed Aadhaar card interest rates let borrowers manage repayment more efficiently.
Borrowers can take out a sizeable percentage of their gold’s value as a loan with Rupeek. The loan quantum can go up to Rs. 1.5 crores, allowing borrowers to meet all sorts of expenses easily. One can check the gold loan calculator to assess the loan amount and strategise their expenditure beforehand.
Repayment can be a hassle with a traditional Aadhaar card loan due to lack of any flexibility. But, that’s not the case with Rupeek’s gold loan. Borrowers in Delhi can choose to pay EMIs or opt for instalment payments anytime during the tenure.
Save on interests considerably with our overdraft facility against gold, Rupeek Quick. Access funds any time from a credit limit sanctioned against your pledged gold items and pay interest only on the used funds.
The proximity of a financial institution plays a crucial factor during a liquidity crisis. To ensure every individual in Delhi gets access to quick personal financing on Aadhaar card, we extend our financial services at all major location in Delhi
We are now operational at the following locations in Delhi.
Get an Aadhaar card loan in Delhi today and bid farewell to all your financing woes. Click the apply now button now!
Individuals can use Rupeek website or Android App and pay through internet banking, debit cards, UPI, IMPS or RTGS.
Yes, you can. The minimum loan amount is Rs. 15000, and the maximum loan amounts are Rs. 1.5 crores.
Before applying for a gold-backed personal loan on Aadhaar card in Delhi, you must consider the interest rate, LTV ratio, the security of pledged gold items, repayment schemes available, and additional charges.
You should hold a score above 750 if it’s an unsecured Aadhaar card loan. You do not require a CIBIL Score to get the approval of a gold-backed Aadhaar card loan.
We accept all gold ornaments of purity 18 carats or above. Any other type of gold articles, like bars and coins, are not accepted.
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