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

Gold Loan in hsr layout

The HSR layout's locality situated in Bangalore consists of the seven sectors and it is the main residential area with modern facilities. It has many parks to relax and for leisure along with a medium of fitness to the body. It is built with many plans and one of them is that it has administrative buildings in the region. It is also one of the biggest hubs for startups in Bangalore with several major companies like Zomato, Udaan, Curefit, etc. It also has some of the best hospitals with great medical amenities and the best team of doctors to get cured soon in an emergency. The hospitals situated there are Greenview Medical center, Narayan Multispeciality hospital, etc. This region also has some of the best schools along with great coaching institutions serving great education and preparing students for the competitive exams. As it has a high cost of living, people opt for the gold loan in HSR layout for their survival and a good lifestyle.
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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. 

What is an online gold loan?

An online gold loan is the most straightforward secured loan you can avail when you require instant cash. The easy eligibility criteria and high loan amount make a gold loan one of the most popular loans in India. Usually, lenders approve up to 75% of the gold's market value; although at times, the upper limit may go up to 90%. The final amount would depend on the previous thirty days' average gold price and the quality and Karat of the gold. To avail an online gold loan, the borrower has to download the lender's app or call the customer helpline. After this, a loan officer would schedule a meeting and visit the borrower's residence or office and value the gold. Generally, the loan amount gets transferred to the borrower's bank account within ten minutes of loan approval. The total time from loan application to loan approval can be anything from half an hour to an hour.

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Frequently asked questions

Why should I take a gold loan with my jewellery?

If you have any short-term goals that need to be financed, you can use the gold jewelry that is lying dormant in your home lockers to encash them, but at the same time reclaiming them as they were. As gold loans are good in a rising market, a lender offering good LTV will get you the most out of your gold jewelry. If the expected appreciation in value is greater than the cost of the loan, it is better to take a loan bearing in mind to keep it short-term and being able to repay the principal. Ideally, you should go for a gold loan in <cityname> if you are looking for emergency funds.

What can I do if my lender is charging high interest?

If after the loan has been sanctioned and after a couple of repayment you realize that the rate of interest you have been charged with is high, if you wish to, you have the option to transfer your loan from your current lender to another lender. Most lenders offer this facility to their potential borrowers. As long as the borrower has a good repayment history, there is nothing to worry about. When a borrower wishes to transfer their loan to Rupeek, Rupeek sees to the matter at once. All the help from Rupeek’s end will be provided to the borrower to the extent that the only factor that the borrower has to be concerned about will be regarding the arranging of the loan renewal amount.
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