Low Interest Gold Loans in Guwahatistarting @ 0.49%P.M. (5.88%* P.A.)

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low interest gold loan

Get a New Gold Loan

IconInstant 30 minuntes

Shift your Existing Gold Loan

IconSave ₹37,131*

We offer the highest per gram rate on our gold loans.

-*
lender banks

Gold Loan in Guwahati

Assam’s Guwahati is located on the southern bank of the divine river Brahmaputra. The riverine port city is popularly known as the ‘Gateway to Northeast India’. Dispur, Assam’s capital city falls within the territories of the metropolis of Guwahati. Apart from being a geopolitically significant location in the country, Guwahati it is also one of the biggest educational and commercial centres in Northeast India. Guwahati is striding towards economic success through manufacturing of petroleum and tea. Pandu Port, the largest river port of Assam makes significant contribution to the city’s economic prosperity. Besides, the local economy is heavily dependent on gold loan since the yellow metal has a rich cultural history in this part of the country and is considered auspicious. Tourist places such as Dighalipukhri Park Lake, Nehru Park, Srimanta Sankardeva Kalakshetra, Regional Science Centre, and Deepor Bil enhance the post-modern aura of the city. Popular spiritual attractions of the city include Kamakhya Temple, Umananda Temple, Ugratara Temple, Basisthasram and Navagraha Temple.

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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:

  • Low rate of interest
  • High-value loans
  • Minimal paperwork
  • Flexible repayment options
  • 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

Since a gold loan is a secured loan, it offers many benefits that the other sources of funds do not offer. Some of the benefits offered by a gold loan include:

The requirement for eligibility for a gold loan isn’t much. To avail a gold loan, the borrower has to fulfill the below-mentioned criteria:

  • The borrower shouldn’t be a minor
  • The mortgage loan should be of 18 karat or above
  • The gold should be in the form of ornaments or jewelry.

The loan amount is then calculated by the lender by multiplying the quality, purity, and weight of the gold. The lender then multiplies it with the average price of gold for the past thirty days. The resultant amount id the loan amount that the borrower can borrow.

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Frequently asked questions

What purposes can I request a gold loan for?

A gold loan can be requested to meet any of the following requirements:

  • Home renovation
  • Sponsor an event
  • Throw a marriage or any other function
  • To clear another debt
  • Medical emergency
  • Educational purpose
  • Small business

In short, it can be said that a gold loan in Guwahati can be taken for any purpose - whether the requirement is planned or unplanned. As long as the borrower doesn’t use the funds for a speculative or illegal purposes, the loan amount can be used for any purpose. Most borrowers take gold loans in Guwahati to meet the above-mentioned requirements.

How is KYC done at home for online gold loan?

KYC documents are documents that prove the borrower’s identity and address. It can be the borrower’s Aadhaar card, PAN card, voter ID, driving license, or passport. These are the only two documents that a secured loan demands from its borrowers. When the representative from the company arrives at your doorstep to verify your documents and your gold, your documents will have to be uploaded to check its validity. The official will take pictures of the documents and upload them to the company’s system. Within minutes, the documents will be verified and the process will be completed.

What are the benefits of a gold loan?

There are many benefits that are unique to a gold loan. The security of the pledged collateral makes the borrower eligible for loans that they otherwise wouldn’t be able to enjoy. Some of the benefits that are exclusive to a gold loan are listed as follows: 1. Low rate of interest 2. Minimal paperwork 3. High-value loans 4. Flexibility in repayment options 5. Quick disbursal of funds In some cases, it is also possible to get an online gold loan just by presenting the Aadhaar card of the borrower. The disbursal of the funds is so quick that within an hour from the loan application, the amount will get transferred into the borrower’s account.

How do I make an interest payment?

Paying the interest on the gold loan in Guwahati is not a tedious task. It is actually a very simple process. The borrower can make the interest payment of the loan online. This option is offered by most of the lenders in the market. Making the interest payment online for Rupeek is a very simple process. It can be done in a matter of three easy steps. By logging into the app or by visiting the web portal of the Rupeek, the borrower is requested to select the pay interest option. The borrower can then proceed to make the interest payment by selecting the payment mode of their choice.