Doorstep Loan in Kolkata

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:

• Collateral-free Loans: These are unsecured loans that financial institutions extend without collateral. These mainly include:
• Doorstep personal loan
• Doorstep credit card loans

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.

• Secured Loans: These are funds sanctioned against an asset and include the following sub-types.
• Gold loans
• Mortgage loans like a loan against property.
• Car loans

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:

• Convenience: An agent from the lending institution visits applicants at their preferred location to complete all formalities of a loan procedure.
• Instant Liquidity: Funds are generally transferred within 2 – 4 working days, giving individuals access to instant personal loans.
• Customised Funds: Loan representatives decide fund amount for individual borrowers according to their present financial standing to reduce default chances. It also prevents borrowers from straining their finances unnecessarily.

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.

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.

• Relaxed Eligibility: Doorstep gold loans come with simple eligibility requirements and minimal documentation that do not involve credit checks, thus, making them ideal doorstep loans for unemployed
• No End-use Restriction: Unlike other secured funds, gold-backed doorstep loan lenders in Kolkata do not place any end-use constraints on these financial products. Borrowers can utilise acquired funds for any requirement, from renovating homes to medical emergencies.
• Affordable Loans: These are comparatively low-interest-rate loans, making them affordable even for individuals with unsteady cash flow.

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.

• Easy Online Application: Individuals can place a loan request through our simple application procedure via the Rupeek website or app. Post a successful application, they get easy access to online gold loans at their doorstep.
• High Loan Amount: With Rupeek, borrowers can obtain up to 80% of their gold jewellery’s current market value. It gives them access to funds as high as Rs. 1.5 crore. Loan-seekers can also check their borrowable loan amount in advance using our online gold loan calculator.
• Flexible Repayment: Borrowers can choose from our multiple repayment schemes, including conventional loan EMI method and payment as per convenience, including one-time bullet payment.
• Gold Credit Line Facility: Members of our customer base can enjoy an exclusive gold credit line facility called Rupeek Quick by pledging some additional gold items. Under this, Rupeek sanctions a credit limit to borrowers, from which they can utilise funds as per their requirement. It makes for an excellent emergency loan since it does not involve additional documentation and can be availed directly from an in-app wallet.
• Fastest Loan Disbursal: Our relaxed eligibility criteria and simple documentation facilitate loan transfer within 1-2 hours, making it faster than any other doorstep loan in Kolkata.

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.

• Baranagar
• Kalighat
• Jadavpur
• Dum Dum
• Baghajatin
• Park Street
• Dharmatala
• Hastings
• College Square
• Taltala
• Ballygunge
• Esplanade
• Tollygunge
• Ganesh Chandra Avenue
• Park Circus
• Behala

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!