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

Gold Loan in govindpura

Govindapura is situated in bhopal's bhel township, and is an old town. People from across India have arrived in this region talking various languages and practicing different religious traditions. If you like staying in old settlements then this will be a smart option and take care of your financial requirements for an immediate loan at any mortgage. The city has strong public transport links. The area's famous schools are the raman higher secondary school and hema college. Govindapura also boasts a host of roadside dabhas and eateries. The mpeb is based here, or the Madhya Pradesh electricity board. Another popular park in this location is the kanha shared national park which is an draw for visitors.
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We offer the highest per gram rate on our gold loans.

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Gold Loans at the privacy of your home

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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.

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.

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Frequently asked questions

Are there any charges levied for late payment of interest?

Yes, lenders usually charge a penalty fee on failure of repayment of the gold loan in cityname. This charge will be added to the next monthly payment. On failure of repayment of the next payment as well, the lender will be forced to hand over the matter to the respective loan managers. They are likely to be harsh with the borrowers to make sure that the repayments are done on time. In order to avoid any such circumstances in the future, the borrower has to take care not to miss out on payments or delay the payments. The EMI payment has to be a priority of the borrower.

How is the interest rate calculated for gold loans?

Narrowing down on the right lender after careful consideration is an integral part of availing a loan. As a rational borrower, you might have noticed that all the elements of a gold loan scheme such as loan term, loan interest rates, loan amount as well as repayment options differ from one lender to another. To ascertain the specifics of your loan, especially the interest rate you will have to directly contact the lender of your choice. Your lender will be able to guide you through all the various features and rates of the gold loans they disburse.
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