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Kanchipuram
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in Kanchipuram

Kanchipuram is a city in Tamil Nadu, that is at a distance of 72kms from Chennai. It is dotted with remnants from the rich history of India. For that reason, and because the city is also home to numerous temples of all state and structure, it is known as the temple city. According to the Vaishnavism Hindu theology, it is also an important pilgrimage centre. Kailasanathar Temple, Ekambareswarar Temple, Kumarakottam Temple, Vaikuntha Perumal Temple, and Kamakshi Amman Temple are among the most prominent temples in the city. In the olden times, the city had been a religious education hub for Hindus, Jains, and Buddhists. The city is also home to more than fifty schools, two universities, two medical colleges, six engineering colleges, and six general degree colleges, and a rail construction center. People prefer gold loans in Kanchipuram to meet their short-term fund requirements.
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Gold Loans at the privacy of your home

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What is an online gold loan?

An online gold loan is the most straightforward secured loan you can avail when you require instant cash. The easy eligibility criteria and high loan amount make a gold loan one of the most popular loans in India. Usually, lenders approve up to 75% of the gold's market value; although at times, the upper limit may go up to 90%. The final amount would depend on the previous thirty days' average gold price and the quality and Karat of the gold. To avail an online gold loan, the borrower has to download the lender's app or call the customer helpline. After this, a loan officer would schedule a meeting and visit the borrower's residence or office and value the gold. Generally, the loan amount gets transferred to the borrower's bank account within ten minutes of loan approval. The total time from loan application to loan approval can be anything from half an hour to an hour.

Documents required for an online gold loan

When a borrower needs urgent cash, an online gold loan acts as a blessing. With an online gold loan, you can get up to 75% of the gold's average value as the loan, instantly. Before approving the loan, the lender might ask you to submit a few documents, which the lender uses to determine your eligibility. The first document that you need to submit is an identity proof, like voter ID, PAN Card, Aadhaar Card, Passport, or driving license. The second document you need to submit is an address proof. Except for the PAN and Voter ID, all other documents mentioned above function as the address proof. Many reputed lenders also offer the facility to apply for a gold loan only with the Aadhaar Card. As the Aadhaar card contains all your personal details, like name, date of birth, father's/mother's name, address, and biometric information and iris scan, it functions as both the identity proof as well as the address proof.

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Frequently asked questions

How to apply for a gold loan with Rupeek?

Applying for a gold loan with Rupeek can be done in 3 easy steps.

  1. Request a loan: Download our app, give us a call, or visit our website
  2. Get gold valued at home: Complete the KYC process from the comfort of your home
  3. Get money instantly: The loan amount is instantly transferred to your account

The whole process usually takes places inside an hour. One of the reasons why Rupeek is opted by people around the country is because of its smooth, fast and hassle-free process. Rupeek makes sure that the emergency funds required by the people can be availed as easily as it is possible.

Can I take more than one loan at a time?

Yes, you can take more than one loan against gold at a time. In the case of a secured loan, it is the collateral that determines how much funds the borrower can obtain in the form of a gold loan in cityname. If the borrower has further collateral that can be submitted with the lender in exchange for cash, it is possible to do that. By pledging his asset, the borrower can get upto 75% of the market value of the gold as funds. Since a secured loan is secured with an asset of the borrower that can be sold in case of failure of repayment, the lender will not hesitate before sanctioning the loan. 

Can my gold loan be written off?

The term written off in the CIBIL credit scorecard means that the borrower failed to make the repayment of the loan in over 180 days. It means that the lender has to do away with the outstanding amount that the borrower had not yet repaid. In the case of non-repayment of the gold loan in cityname, the lender has the authority to sell the pledged gold of the borrower to settle the debt. The lender can sell the gold to even the expenses incurred while sanctioning the loan to the lender. As far as the lender is concerned, a written off in the CIBIL score reflects the future loan eligibility of the borrower poorly. The bad mark on the credit history of the borrower can make it difficult for the person to avail of loans in the future.

Is my gold safe with Rupeek?

Rupeek’s procedure has been certified by ISO 9011:2015. They have transacted over 25,000 plus loans with the utmost care and safety. Safety and security are top among the primary concerns of Rupeek. They ensure that the asset entrusted with them by the borrowers are put in the utmost safety. For this, they have partnered with some of the most reputed banks across India, such as Karur Vysya Bank, Federal Bank, and ICICI Bank. The ornaments that the borrowers present as collateral are sealed in bags that are GPS sealed while being transported. Safe transportation is ensured by Brinks, the security partner. They are an internationally trusted security service. Upon arrival at the bank branches, they are stores in bank lockers that are guarded round the clock and are monitored by surveillance. From the moment the asset is transferred into the hands of Rupeek, they are 100% insured with New India Assurance. The personal details of the borrowers are also protected using end-to-end encryption. 

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