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Lucknow
daliganj
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in daliganj

Daliganj is a famous residential town in Uttar Pradesh, in lucknow district. Zaidpur, purwa and sandila are the nearest towns and some of the neighboring towns in lucknow are madehgunj, sahadat nagar garha, nirala nagar, hasanganj and machchhi bhavan. Several private and nationalized financial institutions such as hdfc bank, state bank of India and union bank of India are present in this area, providing many financial services. These institutions are experiencing tremendous demand for gold loans in daliganj as these loans ensure easy access to funds. This area also houses the railway station daliganj junction which is a suburban station in lucknow.
Today's maximum loan value/gm **
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Gold Loans at the privacy of your home

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Benefits of an online gold loan

An online gold loan offers unparalleled benefits. To avail a gold loan, you need to register yourself as a borrower and mortgage your gold ornaments. The best feature of an online gold loan is that the entire process of the loan application and approval takes place online. Hence, the location of the borrower does not matter. Usually, the lender sends a loan officer to the borrower within half an hour of getting the loan request, who verifies the gold, and gives a quote. On successful verification and subsequent approval, the lender then sends the amount directly to the bank account of the borrower. With an online gold loan, a borrower can get up to 75% of the gold's average market value. As it is a secured loan, the rate of interest is lower than many other types of instant loans. Additionally, a borrower can apply for a gold loan only with the Aadhaar Card.

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

Is a guarantor or introducer required for availing a gold loan? Do I need to open an account with a bank?

No, the former is not a necessity, while the latter is. You do not require a guarantor or an introducer with most lenders if you are looking to avail a gold loan in <cityname>. However, one does mandatorily require a bank account. This is because the lender needs to direct funds and collect repayments from the borrower through this account. Rupeek also follows suit and does not require the borrower to have a guarantor or an introducer. Since the credit amount is transferred digitally, the bank account is considered mandatory. If you do not have a bank account, you can create one before applying for a gold loan. 

What is an LTV?

LTV abbreivated as Loan-to-Value Ratio is the financial term used by the lender to asses the risk of lending you a gold loan in <cityname> by determining the relationship between the loan amount and the value of the pledged collateral. Borrowers can ideally avail up to 75% of the value of the pledged gold as the loan amount. The loan amount that will be obtained by submitting the borrower’s collateral gold can be calculated online. Several lenders, including Rupeek provide this facility online.
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