An upmarket residential area to the north of Kolkata, the Indian Statistical Institute (ISI) is located in Baranagar. On one side, Baranagar is surrounded by Dunlop, Belgharia, Dakshineshwar, and Sinthee More on one side and on the other side, flow the River Ganges. The place is well connected, thanks to Dumdum, the nearest railway station, and Noapara, the nearest metro station. Located in the middle of Barrackpore and Esplanade, Baranagar is situated on BT Road. Some of the best-known schools in the area include Calcutta Public School, Baranagar Ramkrishna Mission Ashrama High School, and Central Modern School. Within a range of 10-15kms from Baranagar, the major employment hubs of Kolkata City are located. This makes it a demanded area for residential apartments. To be able to meet their urgent financial needs, the residents procure gold loans in Baranagar.
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.
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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