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Ahmedabad
maninagar
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in maninagar

Maninagar is a tranquil residential town located in the southern part of Ahmedabad that claims of being the first structured settlement outside the old walled city to have evolved. Maninagar was established after the gigantic piece of land was donated by an influential banker named Seth Maneklal Manilal. Also,one other than Sardar Vallabhbhai Patel did the very first town planning draft of this city. This region serves as the entrance to the Ahmedabad-Vadodara expressway and is divided by the Maninagar Railway Station into Maninagar East and Maninagar West. The region enjoys easy connexions with all parts of Ahmedabad since it is home to a BRTS center, a state transport station, and a municipal bus transport station. National Highway 48 also serves the area. The social infrastructure of the region is comprised of educational institutions, movie theatres, multi-sport stadiums, temples, banks, markets, etc. To overcome their sudden budgetary constraints, residents frequently resort to gold loans in Maninagar. The Nagina Wadi and Kankaria Lake enhances the beauty of Maninagar.
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Gold Loans at the privacy of your home

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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.

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. 

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Frequently asked questions

What happens if the loan amount is not repaid on the due date?

Delay in repayment of loan reflects poorly on the borrower's credit score which affects the borrower's credit health if he/she were looking to avail a subsequent loan in the future. As a borrower your number one priority has to be prompt repayment of loans. Despite that if a borrower is unable to complete gold loan repayments because of unforeseen circumstances, the borrower will face extra charges with jumping interest rates. The loan manager will also be in touch with you to discuss the issue. If the loan amount remains unpaid beyond a stipulated date, the gold will be auctioned off. 

What can I do if my lender is charging high interest?

The terms of your loan will be discussed in detail and the lender will only proceed if both the borrower and the lender agree with the terms. However, if you feel like you have been taken for a ride, you always have the option of transferring your loan from your current lender to another lender. Most lenders offer the facility to transfer the gold loan transfer facility if you have a consistent history of repaying the loan amount. Certain lenders like Rupeek takes care of the entire transfer process in case you want to process a balance transfer for an existing loan from your current gold loan company to Rupeek. Check out our loan transfer page for more details.
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