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Patna
Ashok Rajpath
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Patna
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in Ashok Rajpath

Ashok rajpath is a route named after maurya dynasty indian emperor type ashoka. This road starts from golghar, runs along the ganga river, connects patna with the city of patna or patna sahib, and ends in didarganj. The small town thrives on tourism and student influx due to on one side patna university and other historic avenues such as kargil chowk, gandhi maidan, christ church, national institute of technology – patna, patna university, patna college, pmch, pathar ki masjid, government polytechnic patna-7, takht shri harmandir saheb, etc. gold loan in ashok rajpath helps the people to be financially stable and to keep a high standard of life.
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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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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.

What is an online gold loan?

Gold loan is the most flexible and popular source of funds in the Indian financial market. A gold loan is a secured loan, which means that to obtain quick funds or emergency loans, the borrower has to pledge their asset (in this case, their gold) with the lender to obtain funds in return. A secured loan is also known as a collateral-based loan since the funds can be availed only against the asset of the borrower. Gold loans owe its popularity to its attractive features such as:

  1. Low rate of interest
  2. High-value loans
  3. Minimal paperwork
  4. Flexible repayment options
  5. Instant loans etc.

Using a gold loan, the borrower can get up to 75% of the market value of the collateral as the loan amount. In some cases, up to 90% can also be disbursed as the loan. Instant gold loans are so true to their name that the funds get transferred to the borrower’s account within one hour from the loan application.

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Frequently asked questions

Is a CIBIL score required for a gold loan?

A CIBIL score is not required for a gold loan. The CIBIL score is a document similar to a credit score. It is used to determine the financial health of the lender. A high CIBIL or credit score is preferred by the lenders. The borrowers need to have a minimum credit score of at least 700 to be eligible for a gold loan. But in the case of a secured loan, the borrowers are not required to present their credit score. A secured loan only requires minimal paperwork. The only documents that the borrower is expected to present before their loans can be sanctioned are the identity proof and the address proof. Sometimes, it is even possible to get a gold loan against just their Aadhaar card.

How do I make an interest payment?

Gold loans in <cityname> are so widely popular because of how flexible and speedy they are. These gold loans can also easily be availed online end-end except for the gold valuation process which requires a gold appraiser to visit you in person. Now most lenders provide the option to make your interest payment online. All you'll have to do is log in to the website portal or access your profile through the app. If you wish to make an interest payment, you can select the 'Pay Interest' as the payment option and continue with the payment method of your choice. 

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