Ahmedabad

Located in Gujarat’s heart, Ahmedabad has emerged as one of India’s most crucial industrial and economic hubs. With a steady economical ascend, it was ranked 3rd in Forbe’s 2010 fastest growing city list. The city is home to several famous locations such as the world’s largest cricket stadium, Sardar Patel Stadium, Sabarmati Ashram, and Kankaria Lake.

After Tata’s successful Nano project, automobile companies such as Suzuki and Ford are also planning to establish their plants in the outskirts of Ahmedabad. But what the city is most known for is its jewellery and gemstone export, which is the largest in the country. The city residents are economically sound as well, with proper knowledge of investment and expense management. However, the lack of a reliable bank or financial institution in some areas can affect this. Thus, in recent times, lenders come to borrowers and provide a doorstep loan in Ahmedabad.

But there isn’t sufficient knowledge about these credit products that leads to scepticism or availing the wrong loan.

These are a type of loan designed to provide the ultimate convenience to borrowers. Lenders will send their representatives to an applicant’s preferred location to process the loan and approve it. These can be both secured and unsecured as it focuses on the mode of lending and not its nature.

At present, these credit products are offered by several banks, NBFCs, and online lenders. Though, highly beneficial, one should select their loan wisely and after going through all the available options. While a doorstep personal loan might seem attractive, its unsecured nature can result in high interest payments. 

Nevertheless, before looking for doorstep money lenders, you must understand its requirements and eligibility properly.

## What Is A Doorstep loan?


As one can opt a doorstep loan in Ahmedabad from an array of lenders, its requirements vary with each of them. However, a selective few criteria are standard among all these institutions. These eligibility criteria are:

- An active bank account under the applicant’s name.

- The applicant should be legally adult, that is at least 18 years old.

- He/she should be a registered citizen of India with proper residence proof.

Other than these institutions may ask for additional documents, especially if it is unsecured. The records you might have to provide are:

- Proof of income like salary slips, bank statements, etc.

- Identity proof such as Aadhar card, driving license, etc.

- ITR documents.

While salaried employees can easily avail these, finding a doorstep loan for unemployed individuals can be challenging. Only a handful of lending institutions provide these to borrowers who do not have a stable monthly income or cannot prove it.

Even the institutions that provide these loans without an income proof charge a high interest rate due to the increased risk. Though in desperate situations, one might settle for such a disadvantageous loan, with proper research, one can find better alternatives. These alternate options are always secured, and among all those, a doorstep gold loan is the best choice.



## What Are The Requirements For Doorstep Loans?



Rupeek understands the seriousness of an emergency loan. Thus, we have framed our service with benefits that will ease a loan’s burden from our customer’s shoulders. Some of our most advantageous factors are:

- 100% Insurance

No one will want to risk the safety of their gold for a mere loan. We know how precious your jewellery is to you; thus, we offer 100% insurance on your pledged gold. This means if for some reason, your gold’s quality is compromised, we will pay you an amount equal to its current value.

- Wide Loan Range

Every individual has a different reason for availing a doorstep loan in Ahmedabad, which also changes the loan amount. In order to cater to as many individuals in need as we can, we offer a vast range of loan amount. The value starts from Rs. 15,000 and can go as high as Rs. 1.5 crore.

- Swift Approval

From our representative visiting your house with the [doorstep loan service](https://rupeek.com/blog/instant-online-gold-loan-at-your-doorstep/) to its approval takes about 60 minutes on an average. The loan amount is instantly credited to your account after its acceptance, and our representative will leave only after it is done.

- Gold Credit Line

You can obtain an extended line of credit with these low-interest rate loans by going for our overdraft facility, [Rupeek Quick](https://rupeek.com/rupeek-quick/). You can take out small sections from your credit limit and pay interest only on what you have utilised.

- Flexible Repayment System

We have further eased your borrowing process by providing various types of repayment [schemes](https://rupeek.com/schemes). You can choose to repay through loan EMI or use method like single bullet payment, interest pre-payment, etc.

Currently, we are available in every part of the country, including Ahmedabad.

## What Do You Get With Rupeek?



If you live in or around any of the following areas, you can avail our doorstep loan in Ahmedabad.

- Navrangpura

- Satellite Road

- Lal Darwaja

- Naroda

- Manek Chowk

- CTM Char Rasta

- Maninagar

- Khadia

- Sabarmati

- Bapunagar

- Chandkheda

- Asarwa

- Vastrapur

- Bopal

Getting your loan approved at the comfort of your house can also save you the effort of taking multiple rounds of the banks. Our doorstep loan in Ahmedabad against gold takes only a single visit, from us. If you want to explore and learn more about our credit facility, visit our website, our download our app.

## Where to Find Us?



Rupeek charges a rate of interest as low as 0.49% per month for its gold-backed loan. This rate can vary based on whether it’s a fixed or floating interest rate loan.

## What is Rupeek’s lowest rate of interest?



Your pledged gold jewellery is stored in a high-security vault of our partnered bank. Moreover, these are under surveillance 24x7 to minimise the risk of theft.

## Is my pledged jewellery safe with Rupeek?




No, we only provide doorstep loan in Ahmedabad against 18 to 22-carat gold jewellery. Any other type of gold item is not accepted as pledged articles.

## Can I pledge my gold-plated pen?


You only need to provide your KYC documents for availing a Rupeek gold loan. No need to provide any salary proof or any other type of documents tha other lenders tend to ask for.

## What documents are required for a Rupeek’s doorstep loan in Ahmedabad?




Yes, it is called a part payment, one of our many repayment schemes. What you need to keep in mind is that this amount should be below the principal amount. As paying the entire amount falls under a different scheme.

## Can I pay an amount more than the EMI to close the loan faster?



If you are not satisfied with your existing gold loan provider, you can always transfer it to us. Contact our customer care and avail the loan transfer feature to save a significant amount with our reduced interest rates.

## I have already taken a gold loan, can I avail Rupeek’s benefits?

Like any other credit facility, this loan will also affect your overall CIBIL score. If you are paying the EMIs on time, it will increase, and if you fail, your credit score will decrease. Thus, you may want to avail every loan according to your repayment capacity.

## Will not paying my doorstep loan in Ahmedabad EMI on time affect my CIBIL score?

Allow Rupeek’s representatives to contact me for my loan application