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Chennai
besantnagar
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in besantnagar

In Chennai, Besant Nagar is proud to be an exclusive and upscale residential area. The area took its name from Annie Besant, a British socialist. The community, situated along the Bay of Bengal coast, was established by the Tamil Nadu Housing Board (TNHB) in the early 1970s. Besant Nagar enjoys excellent connectivity through the Chennai Metropolitan Transport Corporation to all parts of the city. Thiruvanmiyur Railway Station is only 3 km away from the house. The town is 16 km from Chennai International Airport. There is excellent social infrastructure in Besant Nagar. Some of the area's main attractions are Kalakshetra Academy, Arulmigu Mahalakshmi Temple, Elliot's Beach, Annai Velankanni Shrine, and Besant Gardens. P eople also take advantage of gold loans In Besant Nagar to fund their business projects or extend their existing companies.
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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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What is an online gold loan?

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.

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.

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Frequently asked questions

What is a gold loan?

A gold loan is a type of collateral-based loan. A collateral-based loan is one that requires the borrower to submit their collateral (in this case, gold) before the lender. This makes their loan secured. The security of the loan also benefits the borrower in many ways, such as:

  1. Lower interest rates
  2. Flexibility in repayment options
  3. Minimal documentation etc.

A secured loan also makes it possible for the lender to disburse more funds. Up to 75% of the market value of the pledged gold can be disbursed in the form of loans. In some cases, the borrower also obtian 90% of the market value of the loans as collateral.

Is my gold safe with Rupeek?

Rupeek’s procedure has been certified by ISO 9011:2015. They have transacted over 25,000 plus loans with the utmost care and safety. Safety and security are top among the primary concerns of Rupeek. They ensure that the asset entrusted with them by the borrowers are put in the utmost safety. For this, they have partnered with some of the most reputed banks across India, such as Karur Vysya Bank, Federal Bank, and ICICI Bank. The ornaments that the borrowers present as collateral are sealed in bags that are GPS sealed while being transported. Safe transportation is ensured by Brinks, the security partner. They are an internationally trusted security service. Upon arrival at the bank branches, they are stores in bank lockers that are guarded round the clock and are monitored by surveillance. From the moment the asset is transferred into the hands of Rupeek, they are 100% insured with New India Assurance. The personal details of the borrowers are also protected using end-to-end encryption. 

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