sub_locality
Lucknow
jankipuram
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in jankipuram

Jankipuram is a small neighborhood in Uttar Pradesh, in the city of lucknow. It is located in the middle of town to the north. It was a former municipality now part of lucknow, split into a few sub-districts or industries. There are about 18,000 residents living in jankipuram, and it is considered one of the working class's most populous residential areas. This neighborhood offers various services including access to both public and private schools and hospitals. There are also many private and nationalized banks headquartered here. gold loan is reasonably readily available in jankipuram.
Today's maximum loan value/gm **
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Gold Loans at the privacy of your home

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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:

  1. Low rate of interest
  2. High-value loans
  3. Minimal paperwork
  4. Flexible repayment options
  5. 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:

  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

Is there a Rupeek branch which I can visit? How do I find the nearest one?

Through the Rupeek app has been seamlessly designed with the intent of providing the best user experience, if you still wish to visit our premises and meet our team in person you are most welcome to do so! For this purpose, we at Rupeek have set up lender branches with our partnered banks across 3000 locations to ensure the presence of branches within 3 km of main areas across 11 cities. You can view Rupeek's network of regional offices and bank branches to detect the branch nearest to you. Drop by anytime and we would be happy to help you!

How long will it take for me to get my gold loan?

It wouldn’t take more than an hour for you to get your online gold loan. One of the specialties of an online gold loan is its speed. The funds will get disbursed into your account within one hour from the time of the loan application. To get an online gold loan, follow the given steps:

  1. Download the lender’s app or visit their web portal. You can also call up at the customer care service. Request a loan.
  2. An official will get in touch with you via phone to schedule an appointment.
  3. Usually, within thirty minutes from the phone call, the company representative will show up at your doorstep. Your gold will be evaluated and your documents will be verified.
  4. The loan interest, loan amount, and the loan term will be calculated and set.
  5. Your loan will be approved.
  6. Within minutes, the amount will be transferred into your account.

Usually, the request for the loan amount to the disbursal of the funds do not take more than an hour. A gold loan is one of the easiest and the smoothest ways to get emergency funds. 

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