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At Doorstep

Within 3 kms

At Bank Branch

starting @ <irpm> P.M. (<irpa>* P.A.)

@ <irpm> P.M. (<irpa>* P.A.)

Low Interest Gold Loans in Lucknow

Low Interest Loans

Today’s gold rate (<time>):

We offer the highest per gram rate on our gold loans.

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The city of Lucknow has an elegant presence of mughal culture, reflecting in the city’s architecture and lifestyle till date. Biryani and kebabs are something that the people love to devour. The tone of the architecture of various monuments show that the city was a stronghold of the British administration, mainly through the course of the sepoy mutiny. The domains like art and research are very well appreciated among the people, which is highlighted through the many established cultural, research and academic institutions like CSIR. Various features of the city portray the sophisticated combination of modern and traditional approaches. The place is renowned for its embroidery clothing line. The people opt for gold loans in Lucknow in order to pursue their business interests. The city’s places of fame include Jama Masjid, Shaheed Smarak, Rumi Darwaza, Bara Imambara, Chhota Imambara, Lucknow Museum and the Residency.


As a secured loan, the online gold loan offers unparalleled convenience, like easy eligibility, [minimal documentation](https://rupeek.com/blog/a-handy-guide-to-the-documents-required-for-gold-loans/), [high loan amount](https://rupeek.com/calculator?utm_source=SB), long tenure, [flexible repayment options](https://rupeek.com/blog/things-to-know-about-your-gold-loan-repayment/?utm_source=SB), [low rates of interest](https://rupeek.com/interest-payment??utm_source=SB), and instant loan approval. Because of its simple eligibility criteria, virtually any Indian citizen can avail a gold loan. To avail of such gold loans the loan applicant should be an Indian Citizen above 21 years and below 65 years (at the end of loan tenure) to avail a gold loan from Rupeek. The purity of the gold you want to mortgage should be 18 Karat and above. The third and the last eligibility criterion is that the gold should be in the form of jewellery or ornaments. Generally, Indian lenders do not accept gold bars or coins for approving the gold loan. To calculate the loan amount, the lender evaluates the quality, weight, and purity of the gold and multiplies it with the previous thirty days' average price of gold. The figure that comes out as a result of the [gold evaluation](https://rupeek.com/blog/understanding-gold-valuation-to-get-the-most-of-your-jewellery/) is the loan amount a borrower becomes eligible for.



## Eligibility criteria for an online gold loan


If you are looking to source immediate funds at short notice, online gold loans are your go-to avenue! The eligibility criteria are relaxed, it requires only minimal documentation, you are eligible for a higher loan amount (though the upper cap is contingent on the value of your gold), you can choose from a range of flexible repayment options, the benefits are endless! The [documentation requirement](https://rupeek.com/blog/a-handy-guide-to-the-documents-required-for-gold-loans/) can be split into two parts:

1) **Identity Proof**- Documents that serve as identity proof include but are not limited to:

* Voter's ID

*PAN Card

*Aadhaar Card

*Passport

*Driving License

2) **Address Proof**- Documents that serve as identity proof include but are not limited to: 

*Aadhar Card

*Passport

*Driving License

When it comes to gold loans, most lenders allow the borrower the latitude to avail a loan using just the king of all documents- The [Aadhaar Card](https://rupeek.com/blog/how-to-get-a-gold-loan-with-your-aadhar-card-explained/). Since it contains almost all the necessary information including Name, DOB, Name of parents/spouse, Address, Biometric information, and Iris Pattern Scan it acts as an all-rounder when it comes to documentation!

## Documents required for an online gold loan


There are several ways to close your gold loan in cityname and get your collateral released. The lenders give the borrowers an option to close their loan account online. The entire loan closure summary along with the complete details associated with it – such as accrued interest, rebate amount (if applicable), and the closure amount for the **gold loan in Lucknow** will be displayed online. The loan manager will hand over the collateral asset once the loan account is closed by the borrower. Just as the other procedures associated with an online gold loan, the closure of the loan is also a hassle-free process.

## How do I close my loan on gold and release my jewels?





There are several options available before the borrowers when they want to make the [repayment of their gold loan](https://rupeek.com/blog/things-to-know-about-your-gold-loan-repayment/). The borrower can rely on the website of the lender or their app to complete the repayment process. The payment mode options are the same in both the cases. The borrower can repay the **gold loan in Lucknow** via: 

- Internet banking
- Debit card
- UPI (Unified Payments Interface)
- Money transfer using MPS (Master Production Schedule) or RTGS (Real Time Gross Settlement)
- National Electronic Fund Transfer or NEFT

The loan amount can be done in any form, such as cash, cheque, DD or via card.

## What payment methods are available for me for online gold loan?








Gold is one of the most precious commodities in the world today. Throughout its existence for over 3000 years, its value has remained consistent, never dipping below zero. There are many factors on which the price of gold depends. Although the major factors are the demand and supply, it is also largely dependent on the gold production, inflation, government’s gold reserves, import rates, [interest rates](https://rupeek.com/interest-payment??utm_source=SB), taxes and levies, local demands, etc. For these reasons, the value of the gold in the market is seen to fluctuate. You can know the current rate of gold by visiting our page for [gold loan calculation](https://rupeek.com/calculator?utm_source=SB).

## How is the market value of gold determined?












It is possible for the borrowers to repledge their gold for another loan once their **gold loan in Lucknow** comes to an end. They can apply for a fresh loan with the same collateral. This is possible with most lenders, although each lender offers different conditions before the loan can be repledged. With [Rupeek](https://rupeek.com/?utm_source=SB), you can repledge your collateral for a fresh loan very easily. All you have to do is get in touch with the [customer support team](https://rupeek.com/?utm_source=SB). You can get in touch with the team either online or offline. You can make a call to the customer desk or contact via the Rupeek app. Rupeek will assign a loan manager to you, who will guide you through the process. 