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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.
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:
Loan Amount
Tenure
Interest Rate
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Gold Weight
Gold Purity
Tenure
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Most lenders provide round-the-clock assistance if borrowers ever need it, to complete their gold loan repayment successfully or to pay their interest through their payment portal on the website or the app. The Rupeek team especially is only a phone call away! But irrespective of the platform you choose to make your payment on, both platforms offer the following modes of repayment:
1) Internet banking
2) Debit card
3) UPI
4) Money transfer using RTGS/IMPS
5) NEFT
Since all the options require the digital transfer of money, the borrower must have a bank account under his/her name.
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