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Kolhapur
jaysingpur
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in jaysingpur

Jaysingpur is a fast-growing satellite town of sangli city in Maharashtra's kolhapur district. It is one of the few cities founded in the state as chess board towns. It's named that here, the roads intersect at angles of 90 degrees. The town derives its name from raja jaysing. It was his son, shahu maharaj shrimant chhatrapati, who established this area. Jaysingpur is geographically located between sangli, ichalkaranji, miraj, and kolhapur. Thanks to its location and fast gold loan availability in jaysingpur, many commercial establishments here are rising at a rapid rate. Jaysingpur has one of india's largest tobacco markets. The town also serves as an important marketplace for crops such as baby corn, rice, and cereals.
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Gold Loans at the privacy of your home

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Benefits of an online gold loan

The benefits a borrower can reap from an online gold loan are boundless! All you need to do to avail an online gold loan is download the lender's app and place a loan request. One of the best features of a gold loan is that this process can be done online entirely without manual intervention provided that is what the borrower prefers. The borrower also has the flexibility to place a call on the lender's customer care number to avail the same if he/she were to feel like they might need assistance with the process. All this happens right from the comforts of your home. Even when it comes to gold valuation, you do not need to venture out with expensive gold in your pocket! The lender assigns a representative that will visit you at a location and time as stipulated by you. While an online gold loan does require a few basic documents, you can also avail a loan with just your Aadhar card! As a borrower, you are eligible to receive up to 75% of the gold you are pledging. If both parties are in agreement with the loan amount, the loan is disbursed to your account within a matter of 10 minutes. What's more, the entire process takes only an hour end-end!

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. 

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Frequently asked questions

Do online gold companies offer different schemes for different income groups?

Any major of Indian nationality that meets the basic eligibility criteria will be able to avail a gold loan, even if they don't have a steady source of income. Now, different online gold companies offer different schemes. While these schemes are bound to differ in terms of loan tenure and loan amount but not by income groups. These gold loans don't require the borrower to have a healthy credit score. Every borrower is considered equal irrespective of his or her income profile. The borrower has the latitude to choose a loan interest rate, loan term, and repayment scheme as per his or her convenience.

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

At Rupeek, we are very keen on customer satisfaction. In the unlikely event that you find any qualms with our usually stellar customer service, you can always reach out to us for instant redressal. If at all you find that the gold jewelry or ornaments that you pledged as collateral is damaged or tarnished in any way upon return after loan repayment, you can raise a complaint on the Rupeek app from your profile. Alternately you can get in touch with a Rupeek executive on the Customer care number. A Rupeek loan manager will be assigned to tend to you and will go through your loan history and sort this out for you.
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