Located on the Western bank of Hooghly River, Howrah is a major residential city in West Bengal. Serving as an important transportation hub of the state and gateway for its twin city Kolkata, Howrah is famous for its iconic landmark Howrah Bridge. Religious places like Belur Math and The Great Banyan Tree of Shibpur Botanic Garden have been key tourist attractions in the city.
Howrah is widely known as an engineering hub in terms of the light engineering industry. To align with the fast-paced lifestyle in this metropolitan city, individuals often take financial products like an Aadhaar card loan in Howrah. These quick financing tools not only enable them to cover various personal expenses but also help them to lead their life easily.
Like all unsecured financing, Aadhaar card loans for personal usage also have specific eligibility criteria which borrowers must fulfil. Though the eligibility parameters vary from banks to banks, the essential factors that every financial institution demands include:
After fulfilling the eligibility criteria, individuals need to submit certain documents while applying for a personal loan on Aadhaar card in Howrah. With varied employment type, the list of the required document also changes.
Apart from the mandatory Aadhaar card, salaried individual individuals must provide
Similarly, a self-employed individual must submit the following documents along with the Aadhaar card,
The most significant disadvantage of an immediate loan on Aadhaar card is the high interest rate, which, in turn, increases the total cost of borrowing. Due to the unsecured nature of Aadhaar card loans, financial institutions strictly check the eligibility parameters before approving of the same. Consequently, individuals with low CIBIL score cannot get Aadhaar card loan.
In cases like this, Howrah individuals can opt for a gold-backed Aadhaar card loan as a substitute.
As an idle asset, gold can offer numerous benefits during urgent or frequent cash requirements. These include:
To ensure maximum benefit from a gold-backed Aadhaar card loan in Howrah, individuals must choose the lender wisely. In this context, our financial assistance comes to aid.
The 100% transparent gold loan process and convenient repayment schemes of Rupeek make us stand out from the rest of the crowd.
Below is discussed the features and benefits of availing a gold-backed Aadhaar card loan from Rupeek.
With Rupeek, individuals can apply for a gold-backed Aadhaar card loan in Howrah in a hassle-free way. Not only the loan application process of Rupeek is quicker, but also the processing time is faster. The lesser documentation (only KYC documents) involved in the process helps individuals meet any urgent liquidity crisis.
Rupeek offers instant doorstep gold loan services. Once an individual requests an online gold-backed Aadhaar card loan with us, the gold loan executive reaches the prescribed location within 30 minutes and leaves only after the loan amount gets transferred to the client’s account.
Whereas individuals have to pay a high interest rate with an instant loan on Aadhaar card, Rupeek’s gold-backed Aadhaar card financing ensures affordable interest payments. With a starting interest rate of 0.79% per month, individuals can save a substantial amount at the end of the loan tenure.
Loan to Value ratio refers to the amount individuals get against gold as collateral. We offer LTV up to 80%. Individuals of Howrah need not worry about cash during urgency as Rupeek provides loan up to Rs. 1.5 crores.
Unlike conventional Aadhaar card loans, which mandates borrowers to pay strictly every month, Rupeek’s customers can enjoy consumer-friendly repayment schemes. Rupeek provides them with the flexibility to pay either on a monthly basis or any time as per their convenience within the tenure.
Rupeek’s clients get the opportunity to avail the facility of a gold credit line. This facility enables borrowers to secure an overdraft loan. Also referred to as ‘Rupeek Quick’, borrowers can withdraw cash as per their need through this facility. Moreover, individuals can save on interest considerably as it accrues on only the amount you use.
Your search for gold-backed Aadhaar card loan provider near me ends with us. Get a loan in 30 minutes with our doorstep services in every major locality in the city.
To get doorstep loan up to Rs. 1.5 crores in Howrah, find us in the following locations.
Utilise the consumer-friendly features and benefits of Rupeek and drive all your worries by availing gold-backed Aadhaar card loan in Howrah from Rupeek.
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You can continue with your existing loan by repledging other jewellery. To start with the process, contact with the customer support team of Rupeek and follow their instructions to complete the process.
Log in to gold repayment portal or app with the OTP sent to your registered mobile number. Next, view your profile and complete the transaction.
Generally, financial institutions do not demand co-applicant while approving an Aadhaar card loan.
Aadhaar card contains an individual’s biometric data, which can be used as address proof, ID proof and age proof. As individuals need not provide several documents while applying for a loan, the processing time can be minimised.
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