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Agra
fatehabad
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in fatehabad

Fatehabad is a well-connected, agra district residential area. The area comes under the jurisdiction of the fatehabad assembly and legislative district of fatehpur sikri. Fatehabad road, ferozabad road, agra - bah road, and agra - lucknow expressway are the main roads within and around the locality. The railway station to fatehabad is situated here. Fatehabad is surrounded by udairaj garhi, bari nagla, mithpura, ujhaoli and paliya arrji. The locality's most famous educational institutions are janta inter college, govt. Degree college, smt bhagwan devi kanya inter college, st. john paul's school, shri jangjeet singh mahavidhyalaya, fatehabad model inter college, and usha devi public school. People who live here also rely on gold loans to take care of unexpected financial crises at fatehabad.
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Gold Loans at the privacy of your home

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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.

Eligibility criteria for an online gold loan

As far as forms of credit go, online gold loans provide a range of peerless flexibility! Here are some of the basic eligibility criteria that you need to meet if you are looking to avail an online gold loan-

1) Since lenders prefer disbursing loans to borrowers that are domiciled within the same geographic boundaries as theirs, you will have to be of Indian nationality and residing in India to avail a loan.

2) You must be an independent major, that is of the age 18 or above

3) Since, usually, Indian lenders do not approve gold coins or bars, the collateral you are looking to secure your loan with has to be gold in the form of jewelry or ornaments.

4) The jewelry you are looking to pledge must be 18 Karat or above (Karat is the measure of the purity of gold)

It is noteworthy that the loan amount you are eligible to receive is bound to vary from the market gold rate. This is due to the fact that lenders don't go by the current market price and instead arrive at the average gold rate based on the rate from the past 30 days. 

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Frequently asked questions

Under what cirumstances will my gold loan get rejected?

There are a few scenarios in which a customer's application might get rejected. This very first instance where this can happen is KYC. If the documentation provided by the borrower is insufficient or of suspicious validity or found to be forged/fake then the gold loan will be rejected. Additionally, your credit score may be too low for the lender to trust your ability to repay the loan and hence will reject your loan. Thirdly, the gold you pledged may not be meeting the standards of purity which have to be a minimum 18 karat to be pledged as collateral.

What payment methods are available for me for online gold loan?

There are several options available before the borrowers when they want to make the repayment of their gold loan. The borrower can rely on the website of the lender or their app to complete the repayment process. The payment mode options are the same in both the cases. The borrower can repay the gold loan in cityname via: 

  1. Internet banking
  2. Debit card
  3. UPI (Unified Payments Interface)
  4. Money transfer using MPS (Master Production Schedule) or RTGS (Real Time Gross Settlement)
  5. National Electronic Fund Transfer or NEFT

The loan amount can be done in any form, such as cash, cheque, DD or via card.

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