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Ludhiana
dhandari kalan
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in dhandari kalan

Dhandhari Kalan is a neighbourhood in Ludhiana, Punjab. Recognized for its industrial zone, it houses multiple manufacturing units. Some of the popular amongst these are Bimco Engineering Enterprise, Kapson India, and Jagdambay Cycles Pvt Ltd. Proximity to the nearby Shimlapuri Industrial Zone & The Cotton Market scales up the volume of operations. These operations necessitate operators to apply for gold loans in Dhandhari Kalan to cater to capital requirements. Moreover, the area is surrounded by strong social infrastructures like temples, banks, fitness centres, and supermarkets. Proximity to Jamalpur, the famous neighbourhood in the vicinity works in its favour. Right from educational institutions to banks & ATMs, one can get access to every social requirement in this zone.
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Gold Loans at the privacy of your home

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Benefits of an online gold loan

The benefits a borrower can reap from an online gold loan are boundless! All you need to do to avail an online gold loan is download the lender's app and place a loan request. One of the best features of a gold loan is that this process can be done online entirely without manual intervention provided that is what the borrower prefers. The borrower also has the flexibility to place a call on the lender's customer care number to avail the same if he/she were to feel like they might need assistance with the process. All this happens right from the comforts of your home. Even when it comes to gold valuation, you do not need to venture out with expensive gold in your pocket! The lender assigns a representative that will visit you at a location and time as stipulated by you. While an online gold loan does require a few basic documents, you can also avail a loan with just your Aadhar card! As a borrower, you are eligible to receive up to 75% of the gold you are pledging. If both parties are in agreement with the loan amount, the loan is disbursed to your account within a matter of 10 minutes. What's more, the entire process takes only an hour end-end!

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 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. 

Is it risky to take a gold loan?

Not at all! Gold loans in <cityname> are designed to be one of the most easily affordable forms of credit when you need urgent funds. The ease of application and range of flexibility available when it comes to availing a gold loan in <cityname> is what make sit truly stand out. Since most families are bound to have gold jewelry in some form or the other irrespective of the income status, anybody and everybody can avail it. It is noteworthy that the loan amount and interest rate are subject to change depending on the repayment capacity of the borrower. The lender will ensure that the loan repayment fits well within your debt-income ratio. There is little to no scope of a gold loan becoming risky!
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