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

Gold Loan in gonegandla

Gonegandla is a scenic town about 50 km from kurnool. The environment in this city is almost pollution-free and the people who live here lead a relaxed pace of life. Away from the city's noise, this location is home to some 20,000 people in gonegandla who make use of gold loans to fulfill their needs. There are a few schools such as the z.p high school that offer better education, and the city also has a government college called j.r community college that helps students to graduate from their own hometown.
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Gold Loans at the privacy of your home

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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. 

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.

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Frequently asked questions

What do I do if the displayed information regarding my gold loan interest is incorrect?

If you have logged into the Rupeek app or the payment portal on the website, your profile will reflect your the terms of your loan including the pending loan amount. If your lender has displayed a personal detail or financial data incorrectly, it should be fixed by immediately by raising a complaint with the lender and submitting relevant proofs of payment to build your case. For rebate schemes, you will be able to see your base scheme interest (as per the highest interest slab as mentioned in your pledge card) and post-rebate interest amount on the 'Repay your Loan' page. The interest is calculated automatically considering the rebate schedule and your repayment history.

Is my gold safe with Rupeek?

Rupeek takes extreme pride in the fact that we have closed out 25,000 loan applications with utmost care and safety. Here's how we systematical ensure the safety of your ornaments while it is in our possession:

1) ISO Certification- Rupeek's gold appraisal process has been certified by ISO 9011:2015

2) Trusted Partner Banks- We have done an at-length background check with all of our partner banks before we carefully handpicked them. These include but is not limited to Karur Vysya Bank, Federal Bank, and ICICI Bank. 

3)Trusted Security Partner- Brinks- an internationally trusted security service is our official security partner.

4) Transporting your Gold- Your gold is transported in a sealed, secured bag embedded with GPS.

5) Storing your Gold- Your gold is stored in secure bank lockers under bank-grade security and surveillance to ensure the utmost safety.

6) 100% Insurance Cover- While in our possession your ornaments have a 100% insurance cover from New India Assurance against theft or accident.

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