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Pune
Bibwewadi
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in Bibwewadi

Bibewadi is situated in the South-side of Pune. It is a residential locality. The best thing is that it is only 8 km away far from the Pune railway junction, 17 km far from Pune airport, and about 6 km away from the city centre. In the surrounding area of 10-15 km of Bibewadi, there are plenty of IT pretty well-connected industry hubs. A few of the most noticeable industries as well as IT sectors in the nearby locations are Ramtekdi industrial area, Cybercity Magarpatta, Hadapsar Industrial Estate, Cerebrum IT Park, SP Infocity, Tyni Audyogic Wasahat, and Mundhwa Industrial Area. Bibewadi is a pretty civilized and attractive city with all the basic amenities like markets, colleges, malls, schools, and hospitals that are available in nearby distances. People who are residing in this city could even afford posh living. Still, there are several instances of time where people are in need of instant money. Applying for a gold loan in Bibewadi is the most straightforward and perfect way to get instant cash.
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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 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!

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

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

Though Rupeek has been designed to provide a hassle-free, at-home-loan experience, you are most welcome to visit us at our premises! We have about 3000 locations across the country. Rupeek has partnered with banks such that there is a regional office within three kilometers from the city center and you can find us in cities such as Bangalore, Mumbai, Delhi, Chennai, Kolkata, Ahmedabad, Pune, Hyderabad, Surat, Jaipur, and Coimbatore. You can find the branch nearest to you and drop by anytime! We are happy to entertain any queries you might have.

Will gold items with stones be accepted for gold loan?

If you are looking to apply for and procure a loan against your existing gold jewellery, the gold ornaments with stones and gems will not be evaluated for the loan amount. They will deduct the stone weight and only the gold will be valued depending on its purity. When you take a gold loan in cityname, you are eligible to get up to 75% of the market value of the gold as your loan amount. The valuation of the gold is ascertained by its weight and purity among other factors. For this reason, the weight of the stones or the gems will be disregarded.
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