sub_locality
Kadapa
nandalur

Low Interest Gold Loans in India

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Low Interest Loans

Get a New Gold Loan
flash Instant 30 minuntes
Shift your Existing Gold Loan
save Save ₹37,131*

Gold secured by
Trusted Bank Partners

lender banks
max LTV

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

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

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Gold secured by
Trusted Bank Partners

lender banks

Gold Loan

Nandalur lies on the west bank of the river cheyyeru, a tributary of the river pennar. It is a village under Andhra Pradesh's kadapa district. Nandalur had been a well-known buddhist center in the rayalaseema region in the earlier days. The site where a buddhist stupa and caves were excavated near the village serves as an draw for historians and visitors. Besides the excavation site at nandalur, the village also houses the sowmyanath temple, which attracts a large number of pilgrims from nearby places. Local residents also make use of gold loans in nandalur to create tourist and pilgrim-catering businesses. Nandalur remains linked via the cuddapah-Chennai highway.
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What is an online gold loan?

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.

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

Can I increase my loan amount after taking the loan?

It is possible to increase the loan amount after a loan has already been obtained by pledging the gold of the borrower to get a gold loan in cityname. The borrower will be able to get funds based on the current rate of gold. As the borrower submits the remaining collateral with the lender, the lender will disburse the rest of the funds to the borrower’s bank account. Rupeek offers much flexibility for the gold loans that it offers. If there is any adjustment that the borrower would like to resort to, Rupeek will make sure that it sees to it. 

What kind of repayments can I do?

Gold loans in <cityname> are pervasively availed because of how flexible they are. Rupeek especially strives to provide affordable solutions and offers different flexible types of gold loans repayment schemes. They are classified as follows:

1) Interest Payment: In this method of repayment, you pay a monthly interest concerning only the principal amount

2) Closure Payment: In this method of repayment, your pledged jewelry will be returned once closure payment is made

3)Part-Payment: In this method of repayment, your monthly payment is more than the interest payable per month.

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