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Surat
bardoli
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in bardoli

Bardoli is a historic town functioning under the Surat Metropolitan region in Gujarat. The place is situated at a distance of 35km from the city of Surat. During the independence struggle, the Bardoli Satyagraha movement took place in this town in 1928, under the leadership of Sardar Vallabhbhai Patel. The place is also known for its sugar factory, namely Shree Khedut Sahakari Khand Udyog Mandli Limited, which is Gujarat's first sugar factory, established in 1955 to 1956. In present-day, the region has developed into an educational zone with several public and private universities for the students of Gujarat. Some of the prominent academic institutions are Uka Tarsadia University (UTU) and Veer Narmad South Gujarat University (VNSGU). Moreover, the local people rely on gold loans in Bardoli for educational purposes.
Today's maximum loan value/gm **
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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

Since a gold loan is a secured loan, it offers many benefits that the other sources of funds do not offer. Some of the benefits offered by a gold loan include:

  1. Low rate of interest
  2. Minimal documentation
  3. High loan amount
  4. Flexibility in repayment options
  5. Instant loan approval, etc.

The requirement for eligibility for a gold loan isn’t much. To avail a gold loan, the borrower has to fulfill the below-mentioned criteria:

  1. The borrower shouldn’t be a minor
  2. The mortgage loan should be of 18 karat or above
  3. The gold should be in the form of ornaments or jewelry.

The loan amount is then calculated by the lender by multiplying the quality, purity, and weight of the gold. The lender then multiplies it with the average price of gold for the past thirty days. The resultant amount id the loan amount that the borrower can borrow.

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Frequently asked questions

What is an LTV?

An LTV abbreviated as Loan-to-Value ratio is a financial term used by the lenders to basically assess the risk before approving a loan to the customer. It determines the relationship between the loan amount to be granted and the value of the asset pledged, in the case of gold loans, the value of the gold ornaments. Lenders can obtain up to 75% of the value of the pledged gold as the loan amount. The gold valuation is done by the lender and the amount that can be obtained can be calculated online, on the web portal of the lender, including Rupeek.

How do I close my loan on gold and release my jewels?

Applying and availing for a loan is as easy as can be. Most of this process occurs online, except for the gold valuation which occurs at your doorstep. However, when it comes to repaying your loan most lenders provide an option called 'Close loan' online. In this particular repayment scheme, the loan closure summary will be displayed on the app in your profile along with the complete details of accrued interest, rebate amount (if applicable), and the final payable amount for your online gold loan. Once the loan account is closed the loan manager will hand over the collateral gold to you. 
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