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Guwahati
khanapara
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in khanapara

Situated on guwahati's southern outskirts, khanapara is a locality better known for being the central transport centre. Away from the city center's hurry, the locality houses many famous educational institutions including the veterinary science college, assam administrative staff college, nerim law college, and the Indian handloom technology institute. These colleges have many students from outside khanapara who opt for gold loans to meet their expenses. Here are also assam public service commission office and ganesh mandir indoor stadium. The khanapara regional science centre, also known as the science museum, is one of guwahati's main attractions where both children and adults can spend hours studying different scientific concepts.
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Gold Loans at the privacy of your home

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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. 

Documents required for an online gold loan

A gold loan is the perfect solution when a borrower is looking for urgent loans or emergency funds. With the help of an instant gold loan online, the borrower can receive the required funds in less than an hour. The borrower is eligible to get up to 75% of the market value of the pledged gold as the loan amount. Unlike many other sources of funds, an online gold loan requires minimum paperwork before giving the loan approval. The required documents are:

  1. Identity proof – any document such as voter ID, PAN Card, Aadhaar Card, Passport, or driving license can act as the identity proof of the borrower.
  2. Address proof – the same documents as mentioned above, except for voter ID and PAN card can act as the address proof of the borrower.

Some lenders also approve the loan against just the Aadhaar Card of the borrower. The Aadhaar card is the most important document for an Indian, which has all the details regarding name, father’s and mother’s name, address, biometric information, iris scan, etc. Therefore, it can function as the identity proof as well as the address proof.

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Frequently asked questions

How is the interest rate calculated for gold loans?

Narrowing down on the right lender after careful consideration is an integral part of availing a loan. As a rational borrower, you might have noticed that all the elements of a gold loan scheme such as loan term, loan interest rates, loan amount as well as repayment options differ from one lender to another. To ascertain the specifics of your loan, especially the interest rate you will have to directly contact the lender of your choice. Your lender will be able to guide you through all the various features and rates of the gold loans they disburse.

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

If you have found that the collateral returned to you is damaged or tarnished, you should raise a complaint with the lender at once. You have to immediately connect with your loan manager and get the issue sorted. When you take a gold loan in cityname, with Rupeek, it is careful that the collateral asset is not exposed to any kind of mishandling. Rupeek understands that your collateral asset is not only valuable, but also holds sentimental and other significance to you. It would never put your valuables at any risk. As a matter of fact, once the gold is handed over to Rupeek from your custody, the gold is 100% insured. Even the gold valuation takes place before your eyes for security reasons. Further, your gold once it reaches the partner bank is under the tightest and the heaviest security

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