Located in the Southern part of West Bengal, North 24 Parganas is the most populated district of the state, as well as, the second most populated district of India. As the capital of West Bengal, Kolkata lies in this district; North 24 Parganas extracts massive benefits from the city both in terms of revenue and employment opportunities.
Although North 24 Parganas is one of the more developed districts of the state, residents often struggle to meet their personal financial obligations due to various shortfalls induced by dwindling job opportunities, high cost of living, etc. In such cases, financial products like an Aadhaar card loan in North 24 Parganas can serve as a viable funding solution to alleviate financial woes.
An Aadhaar card loan is an unsecured financial solution which helps borrowers to meet any number of personal financial requirements. However, before availing a personal loan on Aadhaar card in North 24 Parganas, individuals must possess sound knowledge about the features of this quick funding option -
Funding avenues like Aadhaar card loans have several drawbacks that overshadow their benefits to quite an extent.
As these loans are unsecured in nature, lending institutions demand high interest rate to reduce the risk of future default. Further, the strict eligibility parameters of Aadhaar card personal loans minimise the ease of their accessibility during emergencies.
In cases like this, residents of North 24 Parganas can opt for gold-backed Aadhaar card loan as a convenient and hassle-free borrowing option.
During a financial crisis, individuals can leverage the equity of their gold assets and meet both planned and unplanned expenses with ease.
The following table justifies how gold-backed Aadhaar card personal loans can become a smart alternative to traditional personal loans availed against this document.
Parameters |
Loan On Aadhar Card For Personal Usage |
Gold-backed Aadhar card loan for personal usage |
Loan type |
Unsecured |
Secured |
Eligibility criteria |
Stringent, wherein borrowers need to meet credit score requirements, have a certain level of income, etc. |
Borrowers only need to possess KYC documents. |
Interest Rate |
Higher |
Lower |
Documentation |
KYC documents as well as other financial documents like salary slips. |
Only KYC documents. |
CIBIL Score |
750 or above |
Not required |
Tenure |
1-5 years |
4-6 months |
Individuals willing to avail gold-backed Aadhaar card loan in North 24 Parganas must be wondering which lending institutions to choose as their financial partner. In this regard, our financial services offered at Rupeek can be extremely useful.
Rupeek offers 100% transparent gold loan disbursal facilities and easy repayment schemes. Potential borrowers can expect the following features and benefits from our gold loan -
Rupeek’s financial services assure quick loan disbursal within 45-60 minutes. As the documentation process involves verifying only the KYC documents, our gold loan can be viable financial support to address emergencies.
To facilitate easy access to cash, Rupeek offers instant doorstep gold loan services. Individuals can avail gold-backed Aadhaar card loan of up to Rs. 1.5 crores from the comfort of their home or office and meet their personal obligations without hassle.
By availing a gold-backed Aadhaar card loan in Barrackpore from Rupeek, individuals can enjoy a lower cost of borrowing. With only 0.49% interest rate per month, individuals can manage the gold-backed Aadhaar card loan amount efficiently.
With Rupeek, repaying the instant loan on Aadhaar card against gold has been streamlined to quite an extent. Contrary to regular EMI payments against traditional Aadhaar card loans, Rupeek offers flexible repayment schemes. Individuals can repay the borrowed amount either via monthly EMIs, or they can pay as per their convenience any time within the 6 months gold loan tenure.
We offer the highest LTV in North 24 Parganas. Individuals can enjoy an LTV of up to 80% of their pledged gold’s value. Also, by using the gold loan calculator, borrowers can assess the loan amount they are eligible to avail in advance and spend it judiciously.
Also known as ‘Rupeek Quick‘, our overdraft facility helps borrowers to secure a credit line against the pledged gold. Through this facility, not only can they get a chance to save on interest but also enjoy the advantage to withdraw cash any time as per their needs.
Since we at Rupeek have reached all the major localities in North 24 Parganas, individuals need not look further while searching for ‘gold-backed Aadhar card loan providers near me’.
With Rupeek, seeking financial aid in North 24 Parganas has never been easier. Currently, we are operating in the following areas in North 24 Parganas -
Apply now to enjoy doorstep gold-backed Aadhaar card loan in North 24 Parganas from Rupeek!
No, you cannot get a gold-backed Aadhaar card loan against gold bars. Rupeek’s partner bank only accepts gold jewellery of 18 carats or above.
First, you have to request a gold loan by downloading the Rupeek app or visiting the website or by placing a phone call. The next step involves the verification of KYC documents and gold valuation at home. Once complete, the loan amount will be transferred to the borrower’s account.
Usually, you need not have a co-applicant while applying for a personal loan on Aadhaar card.
Yes, you can get a personal loan on Aadhaar card without submitting PAN card. However, you will need to provide specific other financial documents demanded by the lender.
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