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

Gold Loan in galiveedu

Set in Andhra Pradesh's kadapa district, galiveedu is a peaceful village. Under the kadapa revenue division, it is a member of the galiveedu mandal. Galiveedu lies very next to the veligallu dam reservoir, an irrigation scheme constructed across the papagni river. This dam in the village of galiveedu as well as the surrounding villages acts as the primary source of water for agriculture and drinking. Galiveedu is filled with all the simple facilities traditionally seen in a village that is expanding. This includes bank, atm, local store, cinema, police station, hospital of town, and petrol pump. Villagers also make use of gold loan in galiveedu to launch their own business projects along the village's main road.

Gold Loans at the privacy of your home

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Benefits of an online gold loan

When you require emergency funds or urgent loans, a gold loan is one of the most flexible and hassle-free loans that you can acquire. A few of the benefits that are exclusive to gold loans are listed below:

  1. Low loan interest rates - the interest rates are less because of the security of the collateral.
  2. Minimal documents – the only documents that the borrower is expected to submit are the address proof and identity proof
  3. High-value loan – up to 75% of the market value of the gold can be obtained as the loan and in some cases, up to 90%.
  4. No upper limit – the amount that you can obtain is determined by the value of the pledged gold.
  5. No requirement of income proof – the borrower can be unemployed or have an irregular income and still get a gold loan.
  6. No requirement of credit history – the borrower can have a poor credit score or CIBIL score and still be eligible for the loan.
  7. Flexibility – a secured loan is more flexible than other sources of income. The borrower has a variety of repayment schemes to choose from.
  8. Speed – the whole transaction, from the loan application to the disbursement of the funds takes place within an hour.

Documents required for an online gold loan

If you are looking to source immediate funds at short notice, online gold loans are your go-to avenue! The eligibility criteria are relaxed, it requires only minimal documentation, you are eligible for a higher loan amount (though the upper cap is contingent on the value of your gold), you can choose from a range of flexible repayment options, the benefits are endless! The documentation requirement can be split into two parts:

1) Identity Proof- Documents that serve as identity proof include but are not limited to:

* Voter's ID

*PAN Card

*Aadhaar Card

*Passport

*Driving License

2) Address Proof- Documents that serve as identity proof include but are not limited to: 

*Aadhar Card

*Passport

*Driving License

When it comes to gold loans, most lenders allow the borrower the latitude to avail a loan using just the king of all documents- The Aadhaar Card. Since it contains almost all the necessary information including Name, DOB, Name of parents/spouse, Address, Biometric information, and Iris Pattern Scan it acts as an all-rounder when it comes to documentation!

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Frequently asked questions

How do I make an interest payment?

The main reason gold loans in Kadapa are availed is because of its flexibility. Almost all vendors provide online payment for interest. Making the interest payment online for Rupeek is a very simple process. It can be done in a matter of three easy steps. 

 ->Login to website portal/app

->Navigate to the 'Pay interest' tab

->Continue to make the payment method as per your solution

In the unlikely event that you face any difficulty in making your interest payment, you can always reach us on our customer care number. We are just a call away and would be happy to assist you!

How will gold rate affect my gold loan amount

The loan amount you are eligible to receive is contingent on the value of the collateral you pledge. Usually, the loan amount you receive is about 75% of the market value of the gold you pledge. The value of the collateral however is ascertained by taking an average of the daily gold gram rate from the past 30 days. If the gold rate has been on a constant high, then the loan amount goes up and the borrower receives a higher amount of loan against their gold. But at the same time if gold hasn't been performing well, then the average gold gram rate will also not come up too much and hence, the loan amount the borrower is eligible to receive will also be correspondingly low.
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