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Kolkata
kalikapur
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monthly Interest (9.69% P.A)*

Gold Loan in kalikapur

In the south-eastern portion of Kolkata along the EM Bypass, a residential locality named Kalikapur is situated. Santoshpur, Haltu, and Mukundapur are some of the prime localities in the vicinity. The area is filled with multi-storey residential apartments along with all the essential amenities to the residents. During the time of any financial crisis or immediate fund requirements, people often take up a gold loan in Kalikapur that is easily available. Kalikapur is very well-connected to other places through the private bus services. The Kalikapur Railway Station is located on the Sealdah-Canning line. There are plenty of schools, shopping destinations, and hospitals located in and around this region. Acropolis Mall, which is 2.3 km away and South City Mall, which is 3.7 km away are the two most famous destinations for shopping near this area.
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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. 

Benefits of an online gold loan

When you require emergency funds or urgent loans, a gold loan is one of the most flexible and hassle-free loans that you can acquire. A few of the benefits that are exclusive to gold loans are listed below:

  1. Low loan interest rates - the interest rates are less because of the security of the collateral.
  2. Minimal documents – the only documents that the borrower is expected to submit are the address proof and identity proof
  3. High-value loan – up to 75% of the market value of the gold can be obtained as the loan and in some cases, up to 90%.
  4. No upper limit – the amount that you can obtain is determined by the value of the pledged gold.
  5. No requirement of income proof – the borrower can be unemployed or have an irregular income and still get a gold loan.
  6. No requirement of credit history – the borrower can have a poor credit score or CIBIL score and still be eligible for the loan.
  7. Flexibility – a secured loan is more flexible than other sources of income. The borrower has a variety of repayment schemes to choose from.
  8. Speed – the whole transaction, from the loan application to the disbursement of the funds takes place within an hour.

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Frequently asked questions

Under what cirumstances will my gold loan get rejected?

There are quite a few circumstances under which granting a gold loan can be rejected for the customer. In the very first step which is KYC. If the documentation provided by the borrower is not sufficient or of suspicious authenticity or found to be forged/fake then the gold loan will be rejected. Secondly, your credit score may be too low for the lender to trust your ability to repay the loan and hence will reject your loan. Thirdly, the gold you pledged may not be meeting the standards of purity which have to be a minimum 18 karat to be offered as security.

Is there any age limit to avail a gold loan?

The eligibility criteria that a lender offers are unique to them. That is to say that the eligibility criteria offered by the lenders in the market differ when you are applying for a gold loan in cityname. The conditions vary to the extent in terms of age (and other factors) that while some lender requires the borrowers to be at a minimum age of 18 some lender wants their borrowers to be at a minimum age of18. Some lenders keep the upper bar on age at 65 years while for some others, it is 75. But generally, and according to Rupeek, the only eligibility criteria that the borrower has to fulfill are listed as follows:

  1. The borrower has to be an Indian citizen
  2. The borrower should possess the required KYC documents (address proof and identity proof)
  3. The borrower should possess sufficient gold which is above 18 karat gold and up to 22 karat and are in the form of gold ornaments.

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