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Gold Loan in Jawahar Nagar

In Central Jaipur, Jawahar Nagar is an upscale residential area and is flanked by Lalkothi, Ashok Nagar, Tilak Nagar, Adarsh Nagar, and Raja Park. The area has some of the most important residential projects in Jaipur, owing to its proximity to the job hubs of Mahindra World City, Sitapura, and Ajmer Lane. Ashiyana Studio, Aarudha, and Vetos Verve are several major designs. Gandhinagar Jaipur is the closest railway station, and Chandpole is the closest metro station on the Pink Line. The airport is situated 10 km from Jawahar Nagar.National Highway-12, Shanti Route, and Jawahar Lal Nehru Marg are the main roads in the district. Royal International School, Beetles International School, and Dolphins International School are some of the leading schools in the city. People living here also desperately need cash and rely on gold loans in Jawahar Nagar to fulfill their responsibilities.

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

As a secured loan, the online gold loan offers unparalleled convenience, like easy eligibility, minimal documentation, high loan amount, long tenure, flexible repayment options, low rates of interest, and instant loan approval. Because of its simple eligibility criteria, virtually any Indian citizen can avail a gold loan. To avail a gold loan online, your age must be above 18. The purity of the gold you want to mortgage should be 18 Karat and above. The third and the last eligibility criterion is that the gold should be in the form of jewellery or ornaments. Generally, Indian lenders do not accept gold bars or coins for approving the gold loan. To calculate the loan amount, the lender evaluates the quality, weight, and purity of the gold and multiplies it with the previous thirty days' average price of gold. The figure that comes out as a result of the gold evaluation is the loan amount a borrower becomes eligible for.

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Frequently asked questions

What is KYC? Why is it necessary to avail gold loan?

KYC in the KYC documents stands for Know Your Customer. This is a customer identification process where the lender obtains a couple of documents from the borrower to get some personal details about them. These document, which can consist of their PAN card, Aadhaar card, driving license, voter id and passport act as the identity proof and the address of the borrower. The lender has to have a copy of these documents for securlty reasons and to prevent unscrupulous behaviour by the borrower. Although the above listed documents were sufficient before, now it is mandatory for the borrower to present their Aadhaar card since it consists of all of their details, including their finger print and retina scan. These cannot be fabricated and it is also possible to get a gold loan against just your Aadhaar card today.

What do I do if I have found a discrepancy in the returned gold?

If the returned collateral gold seems to be tarnished or damaged you can immediately raise a complaint with the lender, connect with your loan manager, and get it sorted. If you take a gold loan in Jaipur with Rupeek, you don’t have to worry about the safety of your gold ornaments. Rupeek provides the maximum protection to your collateral asset from step one. When the gold appraiser evaluates the gold, it is made sure that it takes place before you. The gold collateral is 100% insured from the moment it gets handed over to Rupeek. The collateral is heavily protected during transportation. Your collateral asset is also given the maximum safety and security at the partner bank.
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