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Delhi
janpath
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in janpath

Janpath implies People's Path. It is a significant road in Delhi that begins at Connaught Place as Radial Road 1 and continues past Rajpath. This street was initially called the 'Queen's way' and was a significant aspect of the plan of Lutyen's Delhi. Today Janpath is acclaimed as the area for a lively commercial center that holds an equivalent fascination for the occupants of Delhi and travelers alike. The market is partitioned into different aisles, for example, Gujarati aisle, Tibetan aisle, Flea market aisle, fancy stores, and so on. Columns of boutique stores sell flawless Pashmina wraps alongside a wide assortment of handiworks, trinkets, pieces of clothing, extravagant gems, instruments, and so on. Since merchants and vendors bargain a ton in real money at this commercial center, they regularly depend on gold loans in Janpath to finance their business needs.
Today's maximum loan value/gm **
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Gold Loans at the privacy of your home

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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.

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

What kind of repayments can I do?

Gold loans in <cityname> are pervasively availed because of how flexible they are. Rupeek especially strives to provide affordable solutions and offers different flexible types of gold loans repayment schemes. They are classified as follows:

1) Interest Payment: In this method of repayment, you pay a monthly interest concerning only the principal amount

2) Closure Payment: In this method of repayment, your pledged jewelry will be returned once closure payment is made

3)Part-Payment: In this method of repayment, your monthly payment is more than the interest payable per month.

How do I close my loan on gold and release my jewels?

Applying and availing for a loan is as easy as can be. Most of this process occurs online, except for the gold valuation which occurs at your doorstep. However, when it comes to repaying your loan most lenders provide an option called 'Close loan' online. In this particular repayment scheme, the loan closure summary will be displayed on the app in your profile along with the complete details of accrued interest, rebate amount (if applicable), and the final payable amount for your online gold loan. Once the loan account is closed the loan manager will hand over the collateral gold to you. 
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