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Solapur
gurunanak nagar
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In accordance with the respective state government’s directive, we’ve resumed operations in all the cities. However, a few services will remain affected while others will continue as usual. To read about the services or moratorium updates, Click here

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monthly Interest (9.69% P.A)*

Gold Loan in gurunanak nagar

Gurunanak nagar is an important part of the solapur north sindhi colony. It falls under the jurisdiction of the solapur city central assembly and parliamentary district of solapur. The inner ring road and hotgi road link with other areas of solapur city to this locality. The surroundings of gurunanak nagar include indira nagar, budh vihar, shastri nagar and antrolikar nagar. Solapur and tikekarwadi are the closest railway stations. The renowned educational institutions near the town are the architecture college of shri siddeshwar shikshan mandal, spm polytechnic college, bachpan english school, and little flower high school. Since the town is close to different job centres, such as midc industrial park, people also choose to live here. They apply for instant low interest loans to invest in a property at gurunanak nagar. *note - information on agra university in gurunank nagar was not present. But i found it out*
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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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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

Is there any maximum and minimum limit for availing gold loan?

If you are looking to avail a high loan amount at low-interest rates, a gold loan would be your best choice. At Rupeek, the minimum and maximum amount that you can avail are as follows:

1) Minimum Loan Amount- The minimum loan amount you can avail is 15,000 Rupees. This implies that the market value of the gold you are pledging needs to be a minimum of 20,000 INR because as per the standard norms set by the industry the borrower is eligible to receive about 75% of the market value of the collateral. In some cases, this can go up to about 90%.

2) Maximum Loan Amount- The maximum loan amount that can be availed is 1.5 crores.

Under what cirumstances will my gold loan get rejected?

There are quite a few circumstances under which granting a gold loan can be rejected for the customer. In the very first step which is KYC. If the documentation provided by the borrower is not sufficient or of suspicious authenticity or found to be forged/fake then the gold loan will be rejected. Secondly, 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 offered as security.
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