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Pondicherry
ariyankuppam
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In accordance with the respective state government’s directive, we’ve resumed operations in all the cities. However, a few services will remain affected while others will continue as usual. To read about the services or moratorium updates, Click here

Pondicherry
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in ariyankuppam

Ariyankuppam in Pondicherry is known for its well-planned infrastructure and properly aligned streets. An old fishing village this place was suppsoed to house Roman traders who came for bead making. Arikamedu is the archaelogical site of this place that marks its Roman legacy. This brings a wide-ranging population to this region. Veerampattinam amman temple and veerampattinam beach are also major tourist attractors in the vicinity. Both tourism and regular occupational needs calls for Gold loans in Ariyankuppam.
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We offer the highest per gram rate on our gold loans.

Today’s max loan value/gm () **

Today’s max loan value/gm ()
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Gold Loans at the privacy of your home

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Eligibility criteria for an online gold loan

As far as forms of credit go, online gold loans provide a range of peerless flexibility! Here are some of the basic eligibility criteria that you need to meet if you are looking to avail an online gold loan-

1) Since lenders prefer disbursing loans to borrowers that are domiciled within the same geographic boundaries as theirs, you will have to be of Indian nationality and residing in India to avail a loan.

2) You must be an independent major, that is of the age 18 or above

3) Since, usually, Indian lenders do not approve gold coins or bars, the collateral you are looking to secure your loan with has to be gold in the form of jewelry or ornaments.

4) The jewelry you are looking to pledge must be 18 Karat or above (Karat is the measure of the purity of gold)

It is noteworthy that the loan amount you are eligible to receive is bound to vary from the market gold rate. This is due to the fact that lenders don't go by the current market price and instead arrive at the average gold rate based on the rate from the past 30 days. 

Documents required for an online gold loan

A gold loan is the perfect solution when a borrower is looking for urgent loans or emergency funds. With the help of an instant gold loan online, the borrower can receive the required funds in less than an hour. The borrower is eligible to get up to 75% of the market value of the pledged gold as the loan amount. Unlike many other sources of funds, an online gold loan requires minimum paperwork before giving the loan approval. The required documents are:

  1. Identity proof – any document such as voter ID, PAN Card, Aadhaar Card, Passport, or driving license can act as the identity proof of the borrower.
  2. Address proof – the same documents as mentioned above, except for voter ID and PAN card can act as the address proof of the borrower.

Some lenders also approve the loan against just the Aadhaar Card of the borrower. The Aadhaar card is the most important document for an Indian, which has all the details regarding name, father’s and mother’s name, address, biometric information, iris scan, etc. Therefore, it can function as the identity proof as well as the address proof.

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Frequently asked questions

What can I do if my lender is charging high interest?

After the start of your loan tenure if you realise that your financial institution or lender is charging high interest rate on the loan against your gold, you always have the option of transferring your loan from the existing lender to another lender. Most lenders offer a gold loan transfer facility if you have a consistent history of repaying the loan amount. Certain lenders like Rupeek takes care of the entire transfer process in case you want to process a balance transfer for an existing loan from your current gold loan company to Rupeek. The only work required from the customer's end will be to arrange for the renewal amount. 

My payment has failed, what do I do?

If you have applied for an online gold loan, in <cityname>, the lender will put out reminders before the payment is finally due. In case of an auto-debit setup, if an incorrect amount gets debited it will get reverted to your back within 72 hours or according to your bank guidelines. If the payment mode is NEFT, it may take longer to process the refund. For further assistance, the lender's support team is always at reach. We at Rupeek are only a call away and are always happy to help!
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