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Bangalore
bellandur
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in bellandur

The prime real estate point for the investors and the buyers is named Bellandur and it is located in Bangalore. It has got its name from the lake of Bellandur which is existing since the 10th century when it was constructed. The area has a main archaeological site with lots of places symbolizing the past which is found in this area. This location has many lakes and parks that add to the beauty of nature along with the people residing in this locality. This place also make feel people relaxed from the fast life. This region is nearby to the Whitefield and the Electronic city and some of the top-most IT companies in the world. This area also contains many good facilities in hospitals serving the best services with a great team of doctors and providing good care to the patients during emergencies. Due to the benefits, it has a high cost of living and thus people who can't complete their financial needs, often opt for a gold loan in Bellandur for their survival.
Today's maximum loan value/gm **
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Gold Loans at the privacy of your home

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Documents required for an online gold loan

A gold loan is the perfect solution when a borrower is looking for urgent loans or emergency funds. With the help of an instant gold loan online, the borrower can receive the required funds in less than an hour. The borrower is eligible to get up to 75% of the market value of the pledged gold as the loan amount. Unlike many other sources of funds, an online gold loan requires minimum paperwork before giving the loan approval. The required documents are:

  1. Identity proof – any document such as voter ID, PAN Card, Aadhaar Card, Passport, or driving license can act as the identity proof of the borrower.
  2. Address proof – the same documents as mentioned above, except for voter ID and PAN card can act as the address proof of the borrower.

Some lenders also approve the loan against just the Aadhaar Card of the borrower. The Aadhaar card is the most important document for an Indian, which has all the details regarding name, father’s and mother’s name, address, biometric information, iris scan, etc. Therefore, it can function as the identity proof as well as the address proof.

What is an online gold loan?

An online gold loan is the most hassle-free form of instant credit. It owes its popularity to the array of flexible features it comes with. It comes with extremely relaxed eligibility criteria, high loan amounts at low-interest rates! Sounds like the perfect package doesn't it? Well, it gets better. There is no set upper limit on your loan amount. This completely depends on the value of your gold. Ideally, lenders approve up to 75% of the market value of the collateral. However, at times it can even go up to 90%! It is noteworthy that this market value does not refer to the prevailing market price. The lender arrives at the gold valuation by taking an average of the gold gram rate from the past 30 days. The borrower can avail the loan right from the comforts of his/her home by downloading the app and placing a loan request using just the Aadhar card as document proof! A lender appointed representative will then visit the borrower's house for gold valuation and post which the loan amount will be transferred within 10 minutes. The entire process end-end takes only about an hour!

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Frequently asked questions

Can my gold loan be written off?

Written off' is a term used in the CIBIL credit scorecard which means that one has not repaid the loan amount borrowed over 180 days and the lender has to do away with the outstanding amount to be repaid. This can reflect badly on your credit scorecard and prevent further granting of loans. However in the case of gold loan, the lender/financial institution has the right to auction off your gold ornaments if the borrower is unable to repay three consequetive times or more during the loan tenure. Though the value of used gold is lower in the market, the lender settles the losses incurred for granting loan to that customer with the auctioned money.

Is there a Rupeek branch which I can visit? How do I find the nearest one?

Through the Rupeek app has been seamlessly designed with the intent of providing the best user experience, if you still wish to visit our premises and meet our team in person you are most welcome to do so! For this purpose, we at Rupeek have set up lender branches with our partnered banks across 3000 locations to ensure the presence of branches within 3 km of main areas across 11 cities. You can view Rupeek's network of regional offices and bank branches to detect the branch nearest to you. Drop by anytime and we would be happy to help you!

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