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Kolkata
baghajatin
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in baghajatin

Baghajatin area South Kolkata is one of the major residential areas for all individuals from all walks of life, thanks to the easy accessibility to the Kolkata central business district. Bordered by Bijoygarh, Garia, Jadavpur, Santoshpur, Hiland Park, and Regent Estate, Baghajatin is connected with the other parts of the city by the two major roads - Raja SC Mallick Road and Eastern Metropolitan Bypass. The railway station nearest to Baghajatin is Baghajatin on Sealdah South section, and the metro stations closest to it are Gitanjali and Kavi Nazrul. Sammilani Mahavidyalaya, Pranta Pally High School, and Talpukur Primary School are among the most popular educational institutions in the locality. IRIS Multispecialty Hospital and AMRI Hospital are the best hospitals in the place. The people rely on gold loans in Baghajatin to obtain emergency funds.
Today's maximum 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.

Benefits of an online gold loan

An online gold loan offers unparalleled benefits. To avail a gold loan, you need to register yourself as a borrower and mortgage your gold ornaments. The best feature of an online gold loan is that the entire process of the loan application and approval takes place online. Hence, the location of the borrower does not matter. Usually, the lender sends a loan officer to the borrower within half an hour of getting the loan request, who verifies the gold, and gives a quote. On successful verification and subsequent approval, the lender then sends the amount directly to the bank account of the borrower. With an online gold loan, a borrower can get up to 75% of the gold's average market value. As it is a secured loan, the rate of interest is lower than many other types of instant loans. Additionally, a borrower can apply for a gold loan only with the Aadhaar Card.

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Frequently asked questions

My payment has failed, what do I do?

If you have applied for an online gold loan, the lender will send you regular reminders before your payment is due. If you have set up an auto-debit from your account and if due to some unfortunate circumstance, if the incorrect amount gets debited from your account, it should automatically be reversed within 72 hours or according to your bank’s guidelines. In case your choice of payment method was NEFT, the refund process may take longer. If you require further assistance, you can always reach out to the lender's support team. We at Rupeek especially are just a call away and always happy to help!

Will gold items with stones be accepted for gold loan?

If you are looking to pledge or repledge your gold as collateral to avail a gold loan in <cityname>, you may do so provided you are only pledging gold in the form of jewelry or ornaments as most lenders don't accept gold bars or coins. You can still pledge your gold even if your jewelry is encrusted with stones. It is noteworthy that during gold valuation, the weight of the stone will be calculated separately and deducted from the total weight of your gold. When it comes to gold valuation only the purity of the gold is taken into consideration.
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