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Kolkata
dharmatala
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in dharmatala

Considered the heart of Kolkata City, Dharmatala is also known as Esplanade. It is believed that the place got the name Dharmatala because of the presence of the numerous places of worship near the area. The most prominent religious place in the locality is the Tipu Sultan Mosque. Eden Gardens, B.B.D Bagh, Sealdah Junction, and Howrah Junction are the nearest railway station. The Esplanade Metro connects the locality to southern and northern Kolkata. Bowbazar, Janbazar, Taltala, and Maidan are the areas surrounding Dharmatala. Thanks to the commercial centers, educational institutions and employment hubs near the area, the locality remains busy throughout the day. The people resort to a gold loan in Dharmatala for easy and quick funds.
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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 ()
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Gold Loans at the privacy of your home

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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.

Eligibility criteria for an online gold loan

As a secured loan, the online gold loan offers unparalleled convenience, like easy eligibility, minimal documentation, high loan amount, long tenure, flexible repayment options, low rates of interest, and instant loan approval. Because of its simple eligibility criteria, virtually any Indian citizen can avail a gold loan. To avail a gold loan online, your age must be above 18. The purity of the gold you want to mortgage should be 18 Karat and above. The third and the last eligibility criterion is that the gold should be in the form of jewellery or ornaments. Generally, Indian lenders do not accept gold bars or coins for approving the gold loan. To calculate the loan amount, the lender evaluates the quality, weight, and purity of the gold and multiplies it with the previous thirty days' average price of gold. The figure that comes out as a result of the gold evaluation is the loan amount a borrower becomes eligible for.

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Frequently asked questions

What are the different gold schemes available at Rupeek?

We provide the highest gold loan amount per gram, lowest gold loan interest rate of 0.89% and the longest repayment tenure. The schemes currently being offered can be viewed here, after which you can schedule a visit with one of our sales representatives to apply for a loan. There are different online schemes that Rupeek offers for its borrowers. This is to make sure that they can opt for a loan that is best suited for them. They have the option to pick from an array of options that differ in terms of the loan term, the loan interest, and the loan amount. The schemes are divided into four depending on the loan amount – loans below 2 lakh, loans between 2 lakh and 5 lakh, loan between 5 lakh and 20 lakh, and loans above 20 lakh. As the loan amount decreases, the interest rate increases. There are also various schemes under each amount, such as High-Value Loan, Max Value Loan, and No Tension Max Value Loan. The interest rate can range from o.898% to 1.69% depending on the loan amount and the scheme.

Can I transfer my loan from my existing lender?

Rupeek offers its borrowers with an option to transfer their loan from the existing lender to another lender. A borrower may wish to transfer their loan from one lender to another in the middle of the term. It might be the lower interest rate, higher loan amount, better security of their collateral, or the flexible repayment options that another lender provides that they found attractive. If you wish to transfer your loan, rest assured that the process is not complicated. As soon as the borrower requests for the renewal amount, Rupeek will see to it. If it is to Rupeek that you have transferred your amount, you have your collateral as well as your document in safe hands that also provide one of the best services in the industry. 
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