Also known as the Cultural Capital of India, Calcutta or Kolkata is notable for historical structures like the Indian Museum, Vidyasagar Setu, and Victoria Memorial, making it a popular tourist destination. India’s third-most populous metropolis is also a significant trade hub. Besides comprising large-scale industrial bodies like CESC Limited, Britannia Industries, ITC Limited, Birla Corporation, and Coal India Limited, the capital city of West Bengal is also home to a robust IT sector, making up for significant corporate employment.
Living in a Tier-I city of this scale can tax one’s savings, especially when undertaking significant expenses. The busyness of living in Kolkata also leaves individuals with limited time to visit a lender for various formalities. Thus, a relatively new financial service, doorstep loan in Kolkata, is gaining speedy popularity, given its significant advantages over conventional loan procedure.
Doorstep financing is a convenient borrowing option that lets individuals avail funds from the comfort of their residence. Several banks and non-banking financial institutions in India offer doorstep services to loan-seekers lacking the time or ability to visit the lender for a loan application. Individuals can opt for such services for almost all traditional types like:
Although these can be a great choice for quick short-term requirements, a lack of security makes lenders set stringent eligibility criteria for applicants to qualify.
The first two types come with the extra burden of submitting all property-related documents for verification. A doorstep gold loan can be a more profitable and easy borrowing option if individuals want to avoid such a hassle. Regardless of the credit type, doorstep services come with a few common benefits that make it a popular funding option in Kolkata.
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Most banks and NBFCs extend doorstep services for funding options to individuals with a constant income source. It mainly includes business-owners and salaried employees who hardly find time outside their busy schedules. A quick doorstep loan during cash crunches offers them:
Individuals can get in touch with their desired lender via their doorstep loan contact number to benefit from the aforementioned benefits.
However, to get their hands on such advantages, individuals need to fulfil specific eligibility and documentation requirements.
Doorstep loan requirements may vary across lending institutions, depending on the loan type. However, there are some standard eligibility and documentation parameters for secured and unsecured funds that individuals must be aware of before choosing to apply for a doorstep loan.
Parameters |
Secured Doorstep Loans |
Unsecured Doorstep Loans |
Age |
Must be above 18 years |
Can vary across lending parties |
Employment |
Should be a salaried or self-employed individual |
Same as that of secured loans |
CIBIL score |
Might be necessary |
Must be 750 and above |
Net earnings |
Must match lender-specific criteria |
Same as secured funds |
Residence |
Indian |
Indian |
Documentation |
- KYC - Proof of residence - Income proof - All property-specific documents for mortgage loans and car loans - Recent passport-sized photographs |
- ID proof - Address proof - Income proof - Recent bank transaction details - ITR documents - Credit history details - Other financial documents, as required |
The strict eligibility criteria to qualify for doorstep online personal loans or traditional secured loans might hurdle individuals with poor credit history or lack the necessary documents. Additionally, unsecured doorstep loans come with high interest rates, making it an expensive borrowing option, inadequate for big-ticket payments.
Worried about how to finance overheads amidst such challenges?
Approaching doorstep money lenders offering gold loans can be an easy way out in such situations.
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In addition to the general advantages of a doorstep loan in Calcutta, gold-backed funds offer the following benefits over other credit types.
If you have reached this far searching ‘doorstep loan provider near me’, you can opt for the best gold loan offers from Rupeek. We are an RBI-certified NBFC specialising in fast and easy gold-backed doorstep loan.
Following are some of the advantages of a Rupeek gold loan besides the benefits of general gold-backed doorstep funds.
Some borrowers can even avail funds within as less than 30 minutes if applied from specific locations.
Avail of our 30-minute loan processing policy from the following areas in Kolkata.
Rupeek aims to extend gold loan services to every nook and corner of the country, including the localities in Kolkata mentioned above. Find your nearest Rupeek service location and avail your desired doorstep loan today!
You must first check the credibility of any doorstep loan company before proceeding with the application. Once verified, you can consider their policies like interest rates, repayment tenure, additional charges, prepayment facility, etc., before applying. Borrowers can also compare offers of multiple lenders to pick the most beneficial one.
Although several financial institutions offer doorstep loans for businesses, it is always wise to check with your concerned lender.
You will receive a confirmation mail or text at your registered number from the financier. If you apply for a loan with Rupeek, you receive approval and disbursal in real time.
Rupeek offers optimum security of pledged gold items with ISO 9011:2015 certified safety procedures. We have our security partner Brinks take utmost care of collaterals during transportation, using containers attached with GPS tracker. After that, jewellery items are stored in safe vaults of partner banks within a 5-km radius of your residence, where they stay under military-grade security surveillance. Additionally, we also provide full insurance coverage of collaterals against theft or disfiguration.
If you find any discrepancy with your returned jewellery items, kindly reach out to us via our customer helpdesk number.
Your request has been received, our customer relationship manager has been notified and will call you shortly
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