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Kolkata
Jadavpur
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in Jadavpur

Located in the commercial area in South Korea, Jadavpur is a popular residential area. The area is also blessed with a thriving student community, thanks to Jadavpur University. Jadavpur is home to two research institutes in the locality - the Indian Institute of Chemical Biology as well as Central Glass and Ceramic Research Institue. Several other educational institutions such as KPC Medical College and Hospital, Acharya Prafulla Chandra Ray Polytechnic, Vijaygarh Jyotish Ray College, Jadavpur Vidyapith, Jadavpur High School, and Anthelion School of Art are also located in Jadavpur. Surrounded by prominent localities such as Jodhpur Park, Dhakuria, Tollygunge, Golf Green, Santoshpur, and Baghajatin, the area is also very well connected. The railway station at Jadavpur and the Kolkata International Airport, which is only 23kms far connects it with the rest of the world. For quick funds and emergency loans, gold loans in Jadavpur are procured by its residents as well as by visitors.
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Gold Loans at the privacy of your home

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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.

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:

  1. Low rate of interest
  2. Minimal documentation
  3. High loan amount
  4. Flexibility in repayment options
  5. Instant loan approval, etc.

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:

  1. The borrower shouldn’t be a minor
  2. The mortgage loan should be of 18 karat or above
  3. 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

Can I get an interest-free gold loan?

No, a zero-interest gold loan does not exist in the country. This is because, like any other financial institution, a gold loan lender is also looking to earn profits out of the business. The interest that is charged by the lender on the gold loan in cityname is what constitutes their profit. Lower interest rates are what attract a borrower towards a lender and for this reason, lenders compete to offer the lowest interest rates in the market. The interest rates depend on a variety of factors that include the loan term, the loan amount, etc. Since different lenders offer different interest rates mist online gold loan lenders provide a gold loan calculator online where the borrower can calculate the interest rates and make an informed decision regarding the procurement of the gold loan in cityname.

Are all gold items accepted?

Most lenders accept all gold items as only the purity of gold determines the gold value. Rupeek currently does not accept gold coins or bars. Our lending partners only accept gold jewelry of 18 carats and above, which is subject to valuation reports for any loan on gold. Gold exists in various levels of purity, ranging from 18 karat to 24 karat. Gold, at these different levels of purity, exists in different forms, also depending on the properties of its alloys. At 18 karat to 22 karat, gold can exist in the form of ornaments, its alloys lending their properties of malleability and ductility to the gold. At 24 karat, gold exists as coins and bars. Rupeek only accepts gold ornaments as collateral. 

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