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

Gold Loan in balianta

Birthplace of famous poet jiya deva, balianta is a town in odisha's khordha district. Jiya deva was a renowned bhakti poet and a vishnu follower, and several temples can be found in the region. It lies to the east of khurda district headquarters and is flanked in the west by the city of bhubaneswar. It is linked by the vani vihar and mancheswar railway stations with the nearby towns of rasulgarh, palasuni, baniasahi and many more. The literacy rate has been on the rise in recent years, and many students are choosing the prestigious orissa engineering college to begin their further studies. It attracts many tourists every year being home to so many temples. In balianta citizens are opting for gold loans to fund their local businesses.
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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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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. 

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

What purposes can I request a gold loan for?

A gold loan can be requested to meet any of the following requirements:

  1. Home renovation
  2. Sponsor an event
  3. Throw a marriage or any other function
  4. To clear another debt
  5. Medical emergency
  6. Educational purpose
  7. Small business

In short, it can be said that a gold loan in cityname can be taken for any purpose - whether the requirement is planned or unplanned. As long as the borrower doesn’t use the funds for a speculative or illegal purposes, the loan amount can be used for any purpose. Most borrowers take gold loans in cityname to meet the above-mentioned requirements. 

Are there any charges levied for late payment of interest?

Yes, lenders usually charge a penalty fee on failure of repayment of the gold loan in cityname. This charge will be added to the next monthly payment. On failure of repayment of the next payment as well, the lender will be forced to hand over the matter to the respective loan managers. They are likely to be harsh with the borrowers to make sure that the repayments are done on time. In order to avoid any such circumstances in the future, the borrower has to take care not to miss out on payments or delay the payments. The EMI payment has to be a priority of the borrower.
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