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Gold Loan in nesargi

Nesargi is a small village in bylahongal taluk, in the karnataka state district of belgaum, India. It falls under belgaum division jurisdiction. It is located 33 km east from the belgaum headquarters of the district, 20 km from bylahongal and 521 km from the bangalore state capital. Throughout karnataka's entire history the town of nesargi was ruled by the king of saudatti i.e. 'rattaru' and subsequently came under the rule of kitturu bloodline and rani kittur chennamma. Belgaum, gokak, saundatti-yellamma and mudalgi are the cities within walking distance of nesargi. For gold loans, the storage and delivery time is considerably less than the processing period for custom loans. So the residents also prefer gold loans at nesargi.

Benefits of an online gold loan

The benefits a borrower can reap from an online gold loan are boundless! All you need to do to avail an online gold loan is download the lender's app and place a loan request. One of the best features of a gold loan is that this process can be done online entirely without manual intervention provided that is what the borrower prefers. The borrower also has the flexibility to place a call on the lender's customer care number to avail the same if he/she were to feel like they might need assistance with the process. All this happens right from the comforts of your home. Even when it comes to gold valuation, you do not need to venture out with expensive gold in your pocket! The lender assigns a representative that will visit you at a location and time as stipulated by you. While an online gold loan does require a few basic documents, you can also avail a loan with just your Aadhar card! As a borrower, you are eligible to receive up to 75% of the gold you are pledging. If both parties are in agreement with the loan amount, the loan is disbursed to your account within a matter of 10 minutes. What's more, the entire process takes only an hour end-end!

Documents required for an online gold loan

When a borrower needs urgent cash, an online gold loan acts as a blessing. With an online gold loan, you can get up to 75% of the gold's average value as the loan, instantly. Before approving the loan, the lender might ask you to submit a few documents, which the lender uses to determine your eligibility. The first document that you need to submit is an identity proof, like voter ID, PAN Card, Aadhaar Card, Passport, or driving license. The second document you need to submit is an address proof. Except for the PAN and Voter ID, all other documents mentioned above function as the address proof. Many reputed lenders also offer the facility to apply for a gold loan only with the Aadhaar Card. As the Aadhaar card contains all your personal details, like name, date of birth, father's/mother's name, address, and biometric information and iris scan, it functions as both the identity proof as well as the address proof.

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Frequently asked questions

What do I do if the displayed information regarding my gold loan interest is incorrect?

Once you have logged into the Rupeek app/payment portal using your credentials, your profile will reflect the terms of your loan and the pending loan amount. In case of any errors in detail displayed by your lender, it should be corrected by raising a complaint with the required proof for enhanced redressal. For rebate scheme, base scheme and post-rebate interest amount will be displayed on the 'Repay your loan' page. The interest is calculated automatically concerning the rebate schedule and repayment history.

How is KYC done at home for online gold loan?

KYC documents are documents that prove the borrower’s identity and address. It can be the borrower’s Aadhaar card, PAN card, voter ID, driving license, or passport. These are the only two documents that a secured loan demands from its borrowers. When the representative from the company arrives at your doorstep to verify your documents and your gold, your documents will have to be uploaded to check its validity. The official will take pictures of the documents and upload them to the company’s system. Within minutes, the documents will be verified and the process will be completed.
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