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Mumbai
naigaon
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in naigaon

Naigaon is a vicinity of Vasai-Virar city of Maharashtra and a part of the Mumbai Metropolitan Region. It is also a name of a railway station on the western line of the Mumbai Suburban Railway. Naigaon east is connected to the Ahmedabad Highway by the Naigaon east road and has the nearest station as 'Juchandra' which connects to Vasai Road station via the Vasai-Diva route. The place is approximately 39 kilometers from Mumbai International Airport. The population of this neighborhood mainly comprises of Marathi-speaking Christians and Hindus. It also has a migrant community of Muslims and Gujarati-speaking Hindus and Jains owing to its proximity to the Gujarat border. The working-class has a high dependency on gold loans in Naigaon so as to manage their livelihoods. The locality has a number of shopping malls in the vicinity, like Dattani Square Mall, Big Bazaar, Snehanjali Electronics, D Mart, and Vijay Sales.
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Gold Loans at the privacy of your home

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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.

What is an online gold loan?

An online gold loan is the most hassle-free form of instant credit. It owes its popularity to the array of flexible features it comes with. It comes with extremely relaxed eligibility criteria, high loan amounts at low-interest rates! Sounds like the perfect package doesn't it? Well, it gets better. There is no set upper limit on your loan amount. This completely depends on the value of your gold. Ideally, lenders approve up to 75% of the market value of the collateral. However, at times it can even go up to 90%! It is noteworthy that this market value does not refer to the prevailing market price. The lender arrives at the gold valuation by taking an average of the gold gram rate from the past 30 days. The borrower can avail the loan right from the comforts of his/her home by downloading the app and placing a loan request using just the Aadhar card as document proof! A lender appointed representative will then visit the borrower's house for gold valuation and post which the loan amount will be transferred within 10 minutes. The entire process end-end takes only about an hour!

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Frequently asked questions

Is my gold safe with Rupeek?

Our processes are ISO 9011:2015 certified and we have completed 25,000+ loans with utmost care and safety. To ensure the safety of your gold ornaments, we have partnered with reputed banks that are trusted across India - Karur Vysya Bank, Federal Bank, and ICICI Bank. a network of bank branches and regional offices. Your ornaments are sealed in a GPS secured bag while being transported by our security partner Brinks, an internationally trusted security service, from your home to the bank branches, where upon arrival, is stored in secure bank lockers under bank-grade security and surveillance to ensure utmost safety. Your gold is also fully insured with trusted New India Assurance against any theft or accident during transit from and to your doorstep.

Is a CIBIL score required for a gold loan?

No, a CIBIL score is not required when availing of a gold loan. The eligibility criteria for a gold loan does not include a credit score or credit check of any sorts - only the KYC documents required for a gold loan should be submitted. When the loan is obtained by pledging an asset of the lender as collateral, the paperwork associated with the transaction is minimal. The only documents that the borrower has to submit before loan approval are their identity proof and their credit score. In some cases, the lender also makes provisions for the borrower to obtain a loan against just their Aadhaar card. On the other hand, in the case of an unsecured loan, the borrower has to submit their CIBIL score as a mark of their financial health.
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