city
Bangalore

Low Interest Gold Loans in India

Get a New Gold Loan
flashInstant 30 minuntes
Shift your Existing Gold Loan
saveSave ₹37,131*

Low Interest Loans

Get a New Gold Loan
flash Instant 30 minuntes
Shift your Existing Gold Loan
save Save ₹37,131*

Gold secured by
Trusted Bank Partners

lender banks
max LTV

We offer the highest per gram rate on our gold loans.

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 secured by
Trusted Bank Partners

lender banks

Gold Loan in Bangalore

The IT hub of our country, Bengaluru, was a British colony from 1830 until the time it came under the jurisdiction of India. The city is home to both historic forts and palaces and modern establishments. The high-rise buildings, entertainment hubs and technological specialities are an absolute treat to the people. The city provides the maximum to its state’s economy, mainly by enhancing startups and managing various acclaimed academic institutions. Some of the other domains in which the city excels are aviation, electronics, aerospace, fintech, manufacturing, healthcare and logistics. The people mostly opt for gold loans in Bengaluru for business related purposes.The unmissable tourist attractions in this city are Lal Bagh Botanical Garden, Tipu Sultan's Summer Palace, Bangalore Palace, Cubbon Park and Visvesvaraya Industrial and Technological Museum.
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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.

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

How do I make an interest payment?

Paying the interest on the gold loan in cityname is not a tedious task. It is actually a very simple process. The borrower can make the interest payment of the loan online. This option is offered by most of the lenders in the market. Making the interest payment online for Rupeek is a very simple process. It can be done in a matter of three easy steps. By logging into the app or by visiting the web portal of the Rupeek, the borrower is requested to select the pay interest option. The borrower can then proceed to make the interest payment by selecting the payment mode of their choice. 

How is KYC done at home for online gold loan?

KYC documents are documents that prove the borrower’s identity and address. It can be the borrower’s Aadhaar card, PAN card, voter ID, driving license, or passport. These are the only two documents that a secured loan demands from its borrowers. When the representative from the company arrives at your doorstep to verify your documents and your gold, your documents will have to be uploaded to check its validity. The official will take pictures of the documents and upload them to the company’s system. Within minutes, the documents will be verified and the process will be completed.

Is there any maximum and minimum limit for availing gold loan?

When you want to obtain high loan amounts, a gold loan is the best option before you. When it comes to Rupeek, the least amount that you can obtain by pledging your gold is 15,000 rupees. The amount of loan that you can avail depends on your gold. As per the standard norms set by the industry, the borrower can obtain 75% of the market value of the pledged gold as collateral. For example, if you have kept gold worth 1 crore as collateral, you are eligible to get 75 lakhs as the gold loan amount. In some cases, the percentage can go up to 90%. The maximum amount that can be obtained at once by pledging your gold with Rupeek is 1.5 crores. 

Can I partially repay the gold loan amount?

Gold loans in <cityname> are pervasively availed because of how flexible they are. Rupeek especially strives to provide affordable solutions and offers borrower's the opportunity to partially repay your gold amount. Yes, that's right! This process of partial repayment is known as part release of the gold loan. If you wish to complete a partial repayment on the loan, the amount can range between the monthly interest and any amount less than the full-closure amount. However, gold jewelry or ornaments you pledged as collateral will only be returned once the entire loan amount has been repaid completely.

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