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Hyderabad
Chinthal
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in Chinthal

Chinthal, an industrial hub as well as hotspot for manufacturing activity, is well known for its highly efficient and hardworking residents. The area is a sprawling urban centre that sends out a strong energetic vibe. Construction companies, biomedical research facilities, engineering companies are some among the many factories and industries located in this area. It is not only famous for its industries but it also houses reputed schools and engineering colleges. These institutions mostly focus on providing hands- on experience especially in technical line of work since students in the area grow up learning about the work culture in the industrial belt around them. A lot of people depend on gold loans in Chinthal primarily for investing in the yellow metal to secure their financial status.
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We offer the highest per gram rate on our gold loans.

Today’s max loan value/gm () **

Today’s max loan value/gm ()
**

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

If you are looking to source immediate funds at short notice, online gold loans are your go-to avenue! The eligibility criteria are relaxed, it requires only minimal documentation, you are eligible for a higher loan amount (though the upper cap is contingent on the value of your gold), you can choose from a range of flexible repayment options, the benefits are endless! The documentation requirement can be split into two parts:

1) Identity Proof- Documents that serve as identity proof include but are not limited to:

* Voter's ID

*PAN Card

*Aadhaar Card

*Passport

*Driving License

2) Address Proof- Documents that serve as identity proof include but are not limited to: 

*Aadhar Card

*Passport

*Driving License

When it comes to gold loans, most lenders allow the borrower the latitude to avail a loan using just the king of all documents- The Aadhaar Card. Since it contains almost all the necessary information including Name, DOB, Name of parents/spouse, Address, Biometric information, and Iris Pattern Scan it acts as an all-rounder when it comes to documentation!

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Frequently asked questions

How long will it take for me to get my gold loan?

It wouldn’t take more than an hour for you to get your online gold loan. One of the specialties of an online gold loan is its speed. The funds will get disbursed into your account within one hour from the time of the loan application. To get an online gold loan, follow the given steps:

  1. Download the lender’s app or visit their web portal. You can also call up at the customer care service. Request a loan.
  2. An official will get in touch with you via phone to schedule an appointment.
  3. Usually, within thirty minutes from the phone call, the company representative will show up at your doorstep. Your gold will be evaluated and your documents will be verified.
  4. The loan interest, loan amount, and the loan term will be calculated and set.
  5. Your loan will be approved.
  6. Within minutes, the amount will be transferred into your account.

Usually, the request for the loan amount to the disbursal of the funds do not take more than an hour. A gold loan is one of the easiest and the smoothest ways to get emergency funds. 

Are banks or NBFCs better for availing gold loan

There is an array of options in the market when it comes to availing credit causing the borrower to be confused regarding where their gold loan in cityname can be availed. Firstly, there are both banks and Non-Banking Financial Companies or NBFCs providing gold loans in cityname. Banks in general take longer processing time of the loan for credit, CIBIL score verification, offer lower Loan-To-Value ratio and have a strict EMI model. Whereas, in case of NBFCs offer higher LTV but along with it higher interest rates as well. Hence depending upon your short-term or long-term finances, weigh in your options and choose the lender that fits your bill.
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