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Vellore
odugathur
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0.79%*
monthly Interest (9.69% P.A)*

Gold Loan in odugathur

Odugathur is a developing area of the Vellore city. From this are passes the Krishnagiri Trunk Road. Some important roads passing through here are Vanniyar road and Madhanur- Odugathur road. The Javadi Foothills like mountainous and hilly area is near Odugathur. 300-years old Shiva Temple is attraction for tourists who visit here. Perumal temple which is about 1000 years old is one of the ancient attraction of this area. Some other famous religious places are Saptharisheeswarar temple, Mariamman temple, and Gangai Amman temple. Few important banks in this area are The Indian Bank, Vellore district Co Op Bank, and State Bank of India. There are many money crisir in this area of resident so, people choose to take gold loan in Odugathur to overcome that.
Today's maximum loan value/gm **
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Gold Loans at the privacy of your home

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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!

Documents required 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 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. 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!

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Frequently asked questions

Can a family member be present for the appraisal in my place?

It is mandatory that at the time of the loan appraisal and the verification of the documents, the borrower has to be present. Nobody, not even the close relative or family member can be sufficient in the place of the borrower. The process of verification and validation of the KYC documents as well as the gold is an important step in the process of loan approval. The identity proof and the address proof of the borrower have to be cross-checked. This demands the physical presence of the borrower. It also helps in establishing the transparency and security of the company. If you cannot be present in person during the verification process, the appointment will have to be rescheduled. 

Is there any maximum and minimum limit for availing gold loan?

If you are looking to avail a high loan amount at low-interest rates, a gold loan would be your best choice. At Rupeek, the minimum and maximum amount that you can avail are as follows:

1) Minimum Loan Amount- The minimum loan amount you can avail is 15,000 Rupees. This implies that the market value of the gold you are pledging needs to be a minimum of 20,000 INR because as per the standard norms set by the industry the borrower is eligible to receive about 75% of the market value of the collateral. In some cases, this can go up to about 90%.

2) Maximum Loan Amount- The maximum loan amount that can be availed is 1.5 crores.

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