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Kolkata
b.b.d. bagh
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Kolkata
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in b.b.d. bagh

It is from the name of the three revolutionary freedom fighters, Binoy, Badel, and Dinesh that the B. B. D. Bag receives its name. The Inspector-General of Prisons, N. S. Simpson was killed by them after they stormed the Writers Building during the Colonial period to do just that. Even though the capital of the country was shifted from Kolkata to Delhi, this area in Kolkata is still home to some of the oldest and historically significant buildings. It houses some of the best buildings of British architecture. Many of the administrative buildings also remain to this day, either as heritage sites or as administrative and official buildings to the central and state governments. B. B. D. Bag was formerly known as Dalhousie Square. The Writer's Building, the old office of the Chief Minister of West Bengal, eastern zonal office of the Reserve Bank of India, and the Calcutta Stock Exchange Building are among the most prestigious financial and administrative buildings that are in B. B. D. Bag today. The lifestyle of this region is of a high standard and is expensive. For this reason, people take gold loans in B. B. D. Bag to meet their requirements.
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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 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.

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.

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Frequently asked questions

Is it risky to take a gold loan?

A gold loan is arguably the easiest and immediate type of loan out there in the market which makes it extremely lucrative to address your financial needs. In circumstances where you need quick money and you do not possess any other assets to pledge, a gold loan can be a useful avenue. However, it is advisable to refrain from taking a gold loan if you believe you will not be able to repay the demanding interest amount along with the principal. Additionally, if the gold prices drop drastically during the tenure of loan some lenders may ask you to pledge more gold or pay up to meet the difference in amount. 

Can I close the gold loan earlier than intended?

Yes you can close the gold loan in cityname earlier than the tenure as long as your lender has no lock-in period or prepayment penalties in place. Whereas some other lenders might have small penalties ranging up to 200 rupees if you wish to foreclose your loan account 3 months or 1 month before the lock-in period set upon the respective lender's discretion. The penalty also depends upon your loan amount. However, Rupeek does not levy any amount from its borrowers if they wish to close their loan account prematurely. Rupeek always makes sure that its borrowers are provided with the most convenient and hassle-free options regarding their gold loan in cityname.
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