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

Gold Loan in ballygunge

An upmarket residential and commercial locality in South Kolkata, Ballygunge is surrounded by major localities such as Kasba, Park Circus, Dhakuria, Bhowanipur, and Lansdowne. At the intersection of Old Ballygunge Road and Rash Behari Avenue, stand the biggest market in the area - the Gariahat Market. An array of shops at the market sell amenities such as jewelry, garments, furniture, decorative goods, cutlery, electronic goods, etc. Many of Kolkata’s street food delicacies are also sold int he market. Kendriya Vidyalaya, Ballygunge Government High School, Patha Bhavan, Army Public School, Basanti Devi College, Modern High School for Girls, and South Point School make up some of the most prominent educational institutions of the locality. The loan option that the people resort to is an gold loan in Ballygunge.
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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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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.

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. 

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Frequently asked questions

Why should I take a gold loan with Rupeek?

Here are a few reasons to take a loan against gold with Rupeek: 1) Affordable Loans- At Rupeek, we strive to provide affordable solutions for everyone which is why Rupeek has the best gold grams rate in the market. Our interest rates go as low as 0.89%, and we offer flexible repayment schemes as well to make gold loans convenient for all. 2) Insurance Cover- As long as your gold remains with us, it will be so under a 100% insurance cover. 3) Minimal Documentation- Availing an online gold loan with Rupeek is extremely hassle-free in terms of documentation and only requires basic ID and address proofs. 4) Relaxed Eligibility-Rupeek doesn’t require its lenders to have a fixed income or a perfect credit score. This implies that even if you do not have a steady source of income or even if you have a poor credit history, you will still be eligible to avail a loan against gold.

Do online gold companies offer different schemes for different income groups?

No, the schemes are the same with most online gold companies. Any borrower that meets the basic eligibility criteria and minimum age requirement can avail of a gold loan, even if they are currently unemployed. The gold loan schemes vary by loan tenure and amount.and not by income groups. Unlike unsecured sources of funds, loan approval is not given after the evaluation of the borrower’s financial health, in the case of a secured loan. The schemes are the same for all the borrowers irrespective of the income. The schemes are chosen by the borrower, depening on the loan interest rate, loan term, as per their convenience.
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