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Gold Loan in Civil Lines

Civil line is a town in the Indian state of punjab, in patiala. Other localities close to civil lines are model town, hira nagar, charan bagh, sone majra, and so on. The locality has all the amenities such as schools, grocery stores and banks from which one can take advantage of an gold loan in civilian lines. The locality's four famous theaters are tagore theater, sk picture house, srs cinemas, and open-air theatre. The prominent patiala dav public school is also near civil lines. Even the inhabitants enjoy the convenience of several local private bus lines. The locality is still considered to be clean as it has several significant government offices, including the patiala divisional commissioner office, the co-operative assistant registrar societies office, and the mini secretariat.

What is an online gold loan?

Gold loan is the most flexible and popular source of funds in the Indian financial market. A gold loan is a secured loan, which means that to obtain quick funds or emergency loans, the borrower has to pledge their asset (in this case, their gold) with the lender to obtain funds in return. A secured loan is also known as a collateral-based loan since the funds can be availed only against the asset of the borrower. Gold loans owe its popularity to its attractive features such as:

  1. Low rate of interest
  2. High-value loans
  3. Minimal paperwork
  4. Flexible repayment options
  5. Instant loans etc.

Using a gold loan, the borrower can get up to 75% of the market value of the collateral as the loan amount. In some cases, up to 90% can also be disbursed as the loan. Instant gold loans are so true to their name that the funds get transferred to the borrower’s account within one hour from the loan application.

Documents required for an online gold loan

When a borrower needs urgent cash, an online gold loan acts as a blessing. With an online gold loan, you can get up to 75% of the gold's average value as the loan, instantly. Before approving the loan, the lender might ask you to submit a few documents, which the lender uses to determine your eligibility. The first document that you need to submit is an identity proof, like voter ID, PAN Card, Aadhaar Card, Passport, or driving license. The second document you need to submit is an address proof. Except for the PAN and Voter ID, all other documents mentioned above function as the address proof. Many reputed lenders also offer the facility to apply for a gold loan only with the Aadhaar Card. As the Aadhaar card contains all your personal details, like name, date of birth, father's/mother's name, address, and biometric information and iris scan, it functions as both the identity proof as well as the address proof.

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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.

How to repledge my existing loan?

It is possible for the borrowers to repledge their gold for another loan once their gold loan in Lucknow comes to an end. They can apply for a fresh loan with the same collateral. This is possible with most lenders, although each lender offers different conditions before the loan can be repledged. With Rupeek, you can repledge your collateral for a fresh loan very easily. All you have to do is get in touch with the customer support team. You can get in touch with the team either online or offline. You can make a call to the customer desk or contact via the Rupeek app. Rupeek will assign a loan manager to you, who will guide you through the process. 
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