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Bhubaneswar
acharya vihar
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in acharya vihar

According to the magic bricks website, acharya vihar is ranked 5/5 by locals, agents & tourists for its climate, commuting & points of interest. It is best rated to contact, hospital standards where there is an average 5.0 rating given. Currently, the locality has 5 properties available for rent and housing purposes, while the average rental price is rs 11,852 per sq. Foot. feet. The locality itself is closer to other residential areas including hans pal, jayadev vihar and khorda town. Local residents have commented on the area's accessibility through roads to other odisha cities, and have mentioned that the spaces inside the area make for great parking spaces. An gold loan for living at acharya vihar could be a cheap affair.
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We offer the highest per gram rate on our gold loans.

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Gold Loans at the privacy of your home

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What is an online gold loan?

An online gold loan is the most straightforward secured loan you can avail when you require instant cash. The easy eligibility criteria and high loan amount make a gold loan one of the most popular loans in India. Usually, lenders approve up to 75% of the gold's market value; although at times, the upper limit may go up to 90%. The final amount would depend on the previous thirty days' average gold price and the quality and Karat of the gold. To avail an online gold loan, the borrower has to download the lender's app or call the customer helpline. After this, a loan officer would schedule a meeting and visit the borrower's residence or office and value the gold. Generally, the loan amount gets transferred to the borrower's bank account within ten minutes of loan approval. The total time from loan application to loan approval can be anything from half an hour to an hour.

Eligibility criteria for an online gold loan

As a secured loan, the online gold loan offers unparalleled convenience, like easy eligibility, minimal documentation, high loan amount, long tenure, flexible repayment options, low rates of interest, and instant loan approval. Because of its simple eligibility criteria, virtually any Indian citizen can avail a gold loan. To avail a gold loan online, your age must be above 18. The purity of the gold you want to mortgage should be 18 Karat and above. The third and the last eligibility criterion is that the gold should be in the form of jewellery or ornaments. Generally, Indian lenders do not accept gold bars or coins for approving the gold loan. To calculate the loan amount, the lender evaluates the quality, weight, and purity of the gold and multiplies it with the previous thirty days' average price of gold. The figure that comes out as a result of the gold evaluation is the loan amount a borrower becomes eligible for.

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Frequently asked questions

What are the things to keep in mind when taking a gold loan?

When taking a gold loan, a borrower should consider the following points before choosing a lender - 

  1. Loan-to-Value (LTV): The loan amount being sanctioned for the gold can vary between lenders. A borrower should ensure they are receiving the highest LTV amount for their gold.
  2. Interest rate: This rate determines how much a borrower will pay for the loan, so the lower this is, the better.
  3. Gold security: Without an insurance cover or secure transport of the collateral, there may be certain risks to consider which can result in major losses.
  4. Additional fees and charges: These can increase a loan amount immensely, so it’s important to look out for a lender that charges the minimum amount for services being provided.
  5. Repayment schemes: A borrower needs to be able to repay the loan amount based on their monthly budget and financial standing to avoid defaults. Borrowers should look for flexible repayment plans to ensure this is made possible.

What payment methods are available for me for online gold loan?

There are several options available before the borrowers when they want to make the repayment of their gold loan. The borrower can rely on the website of the lender or their app to complete the repayment process. The payment mode options are the same in both the cases. The borrower can repay the gold loan in cityname via: 

  1. Internet banking
  2. Debit card
  3. UPI (Unified Payments Interface)
  4. Money transfer using MPS (Master Production Schedule) or RTGS (Real Time Gross Settlement)
  5. National Electronic Fund Transfer or NEFT

The loan amount can be done in any form, such as cash, cheque, DD or via card.

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